Cassie Harrison

  • Cassie.Harrison@bhghome.com

  • Mobile916-995-9942
  • Voice Mail916-491-1516
  • Fax916-491-1525
  • 1819 K StreetSuite 100 Sacramento CA 95811
  • CA BRE 01875900

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Cassie's Blog

Putting out the flags gets local interest in Placerville, CA area

Just putting out the flags along Gold Hill Road in Placerville today and I noticed I was getting some local interest!

Summer Events off to a Great Start in the Land Park Area!

Summer fun has been happening in the South Land Park area of Sacramento.  Recently Belle Cooledge Library hosted the 13th annual Barbara Jeanne Hansen Ice Cream Social with performances by high flying doggy entertainers and delicious free ice cream and toppings.  It was alot of fun!

And the Sacramento SPCA recently hosted the 20th Annual Doggy Dash and Bark at the Park Festival in beautiful William Land Park. An estimated 5,000 animal enthusiasts gathered both with and without their canine companions to raise funds for animals sheltered at the Sacramento SPCA. For 19 years, two- and four-legged participants have attended this event, creating a tradition in Sacramento and transforming Doggy Dash into one of the biggest "can't miss" events of the year! Those who stayed after the Dash for the Bark at the Park Festival were treated to free pet treats from various pet-friendly businesses and great entertainment. Fortunately I left my buddies at home as when the temperature rose quickly that day, everyone retreated to the shade trees with the free bottled water supplied by the event.

"I appreciate your excellent service."  Jo

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"Cassie is a hard working agent. I would recommend and refer to her!"  Ernie Cabrera, CEO,  REAL ESTATE AMERICA - www.rearealtors.com

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"Cassie came into a difficult situation that had a long, unfortunate history. She was extremely professional and positive and pro-active.  I am impressed and appreciative of her professionalism.  I would recommend her highly any time.  Thank you very much."  Tom

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"Thank you so much for your patience and generosity of your time in helping us find our home.  I know we were all over the map, literally. So, thanks for seeing this through until the end.  I know we all learned from each other in this process."   Robyn

"We want to sincerely thank you for sticking with us through this grueling process! And for driving with us all over the place!"  Karen

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 "I appreciate Cassie's help." Yijan

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Welcome to my website and the familiar Better Homes and Gardens name which enjoys a special emotional connection to people who are truly passionate about their home.  Here you will find a treasure trove of market and community information.  Through my association with Better Homes and Gardens Real Estate it is my pleasure to assist you in your new adventure!

Featured Property

Home Sales Soar as Inventories Grow and Investors Withdraw

Steve Cook, RISMEDIA 


Rising inventory levels during the final months of the buying season are dramatically boosting sales and prices have continued to increase as the forces driving the housing recovery shift from lack of supply to demand. Sales are soaring despite new evidence that investors are buying fewer properties. Total existing home sales rose 4.2 percent to a seasonally adjusted annual rate of 5.18 million in May from 4.97 million in April, and is 12.9 percent above the 4.59 million-unit pace in May 2012, according to the National Association of REALTORS®. Last year some 4.66 million existing homes were sold.

 

Existing-home sales are at the highest level since November 2009 when the market jumped to 5.44 million as buyers took advantage of tax stimulus. Sales have stayed above year-ago levels for 23 months, while the national median price shows 15 consecutive months of year-over-year increases. For months the inventory deficit has curtailed sales, but now listings are increasing across the country. The year-over-year deficit in inventory on Realtor.com has been cut in half over the past year, from -20.07 percent in May 2012 to -10.11 percent in May 2013. 


NAR reported total housing inventory at the end of May rose 3.3 percent to 2.22 million existing homes available for sale, which represents a 5.1-month supply at the current sales pace, down from 5.2 months in April. Listed inventory is 10.1 percent below a year ago, when there was a 6.5-month supply. Inventories are to continuing to increase on a monthly basis as sellers respond to rising prices and declining levels of negative equity. The same rising prices that are boosting inventories also drove investors out of the market in many parts of the country, according to the latest Campbell/Inside Mortgage Finance HousingPulse Tracking Survey released recently. 


The investor share of home purchases tumbled from 22.0 percent in April to 20.2 percent in May based on a three-month moving average. That was the sharpest drop in investor activity recorded in more than three years. According to NAR, individual investors purchased 18 percent of homes in May; they were 19 percent in April. Real estate investors have played a major role in the national housing recovery. Investors purchased 24 percent of all existing homes sold in 2012 and 27 percent in 2011, according to NAR. The decline in investor purchases was not unexpected. Last month a national survey of real estate investors conducted by ORC International for MemphisInvest.com and Premier Property Management Group found that the percentage of investors who said they plan to cut back on purchases in the coming year has risen to 48 percent from 30 percent in September. Only 20 percent of investors said they plan to increase purchases compared to 39 percent ten months ago. 


Both current homeowners and first-time homebuyers increased their participation in the home purchase market between April and May. Current homeowners accounted for 43.8 percent of home purchases last month while first-time homebuyers represented 36.0 percent in May, HousingPulse results showed. 


Existing-home sales in the West increased 2.5 percent to a pace of 1.23 million in May and are 7.0 percent above a year ago. With the tightest regional supply, the median price in the West was $276,400, up 19.9 percent from May 2012.

Who can buy a HUD Home?

Find Purchase Forms Here:  http://tempuri.org/tempuri.html

*   Individuals and investors, HUD-approved non-profit organizations or government entities 

*   Priority is given to owner-occupants

*   Buyers can secure a loan or pay cash to secure real estate

*   Pre-approval letter from lender or proof of cash funds is required       

What costs does HUD pay?

*      HUD will pay up to 3% of buyers closing cost (must be negotiated in contract)

*      Escrow fee paid by HUD (savings of anywhere from $350-$900)

*      Price of home is based on an FHA as-is appraisal (excellent values)

*      FHA appraisal is already completed (saving an average of $400, Appraisal is good for up to 4 months)

What is the process?

*      Purchaser(s) must have a pre-qualification letter or pre-approval letter from a lender

*     If this is a cash sale, verification of cash funds is required

*      Please have this documentation prior to placing your bid

*      Depending upon the condition of the house and the mortgage amount, an FHA 203(b) loan or an FHA 203(k) loan may be used

*      Buyers may also obtain conventional financing or pay cash

*        Sales price of $50,000 or less, the EMD is $500

*        Sales price of $50,001 or more, the EMD is $1,000

*        For vacant lots or sales less than $500, the EMD is 50% of the sales price

       *    After Contract Ratification:

*        Ratified contract and EMD sent to HUD designated closing agent

*        Buyer arranges with the selling broker to conduct a home inspection (optional)

*        Buyer finalizes financing

What are the next steps?

*      It is recommended that the purchaser retain the services of a home inspection company

*      The purchaser has 15 days from contract ratification to conduct a home inspection

*      Utilities may be turned on for up to 72 hours for buyer’s inspection, at buyer’s expense

*      Deposits and fees for activating utilities may be required

*      Please don’t wait to do this inspection, get it done first thing

*      15 day inspection is not a free pass (not a contingency to the contract)

When does the sale close?

*      Either sale closes at Closing Agent’s office or package is emailed out for signatures

*      Title transferred to new owner

*      Buyer is responsible for rekeying the property after the close of escrow

For more information visit: http://tempuri.org/tempuri.html

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