Chico Homes

About Sandi Bauman, Top 1% Producing Chico Realtor

December 9th, 2009 Categories: Chico CA Real Estate News

Welcome!

*** Asset managers ***

I can assist you with your Butte, Glenn and Tehama County REO files! Please call 530-864-5407 or email sandi@sandibauman.com for a resume detailing my default industry experience. I am one of the primary REO listing agents in the area and work with more than 30 companies. I have references, experienced venders, available capital for repairs and CFK’s, and task management software for the most streamlined transaction possible.

Let me introduce myself by saying that my name is Sandi Bauman. I am a licensed, top 1% producing Chico Realtor working for Chico Homes. HOWEVER, I have spent a lot of time in your shoes- whether you are a buyer, a seller, or somewhere in between, I know very well what it is like to be right there! I encountered my first real estate transaction at age 19, and have had the benefit (or disappointment) of working with quite a number of salespersons, brokers, and title companies since then. I understand how frustrating and confusing it is to be a consumer relying on a Realtor who just doesn’t seem to fit your needs or expectations.

What are your needs?

Well, according to a recent article, the top three complaints voiced by consumers about real estate agents were as follows:

1. The agent was inaccessible and didn’t return my calls in a timely manner;

2. The agent didn’t take the time to really get to know me and therefore, my real estate needs;

3. The agent didn’t seem to have my best interest at heart.

My philosophy is simple. I treat each client with the same respect, professionalism, and integrity I would hope to find if I were the one doing the hiring. Phone calls and questions via e-mail will be returned at the earliest possible convenience. When it comes to my personal life, I want my questions answered, and my calls returned! I expect that you are looking for the same.

I make a concerted effort to learn as much as possible about my client’s lifestyle, special interests, and ideals in order to respect their time. This will narrow the list of possibilities when it comes to previewing properties, and let us focus on what you really want.

At the end of the day, if you’re not happy, I’m not happy! I will go to great lengths to accomplish your goals in a professional yet personal manner that exceeds your expectations. To me, it’s not about closing the deal. It’s about having you satisfied with the way your transaction was handled.

Give me a call! I’m looking forward to working with you.

Professional Qualifications, Affiliations and Designations

* Chico Homes Top Listing Agent 2006-2009
* Chico Homes Top Producer 2005-2009

* Certified Luxury Homes Marketing Specialist (CLHMS)
* Certified Internet Professional( e-PRO)
* Member, Real Estate Buyer’s Agent Council (REBAC)
* Accredited Buyer Representative (ABR) designated

* Chico Association of Realtors, elected board member 2009-10
* Sierra North Valley Multiple Listing Service
* California Association of Realtors
* National Association of Realtors
* JustListed Certified Professional
* Realtor.com enhanced listings
* Active Rain Rainmaker
* Localism participant

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Tour of Lights! Chico CA Real Estate Homes

December 17th, 2008 Categories: Chico CA Real Estate News

The Tour of Lights is a wonderful local Chico CA holiday tradition.

Chico residents love to pile in their cars after dark to take a leisurely tour of all the brilliantly decorated Chico area homes.

News Release

BAUMAN ATTENDS SPECIAL TRAINING,

BUILDS EXPERTISE IN CHICO LUXURY HOME MARKET

Chico, CA 4/14/2008 – Sandi Bauman with Chico Homes recently completed a luxury home marketing training course. The Institute for Luxury Home Marketing provided the Certified Luxury Home Marketing Specialist training.

The course – which covered such topics as demographics of the affluent, lifestyle segmentation, trends and amenities in today’s luxury home product, and creating a marketing plan for the multimillion dollar property – was taught by Laurie Moore-Moore, President of the Dallas-based Institute and author of the book, “Rich Buyer, Rich Seller! The Real Estate Agents’ Guide to Marketing Luxury Homes.”

“The course is a step towards earning the prestigious Certified Luxury Home Marketing Specialist (CLHMS) designation which The Institute awards internationally to sales professionals who meet performance standards in the upper-tier residential market,” said Moore-Moore. Sandi Bauman is an example of a sales associate who has earned the CLHMS designation, and who works to hone the special skills and competencies necessary to provide exceptional service in the fine homes and estates marketplace.”

Bauman is an award-winning sales associate who has been in real estate since 2005 and specializes in the Chico/Paradise residential market. She has been the top producing listing and selling agent at Chico Homes each year, servicing relocating buyers and sellers, investors, first time home buyers, and is highly active in the foreclosure market. Visit her blogsite “The Pink Couch” at www.ChicoHomeSearch.net.

“The training provided new insight about the upper tier market, helped me polish my skills, and provided valuable networking contacts with other agents across the country who specialize in luxury properties,” said Bauman. “In addition, I discovered new and creative tools for promoting expensive homes and estates and new resources for finding buyer prospects. Home buyers and sellers will benefit from my new knowledge.”

For current information on the Chico luxury homes market, contact Sandi Bauman at Chico Homes, 530-864-5407 or email sandibauman@sbcglobal.net

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New Hope for Chico HomeOwners!

March 15th, 2008 Categories: Chico CA Real Estate News

On the Brighter Side

by Mike Wiegert, broker Chico Homes

There’s new hope on the horizon for Chico homeowners saddled with ruinous adjustable rate loans that are threatening to convert happy homeowners to cheerless renters. Last week House Financial Services Committee Chairman Barney Frank announced new legislation to stem the significant rise in mortgage foreclosures by allowing the Federal Housing Administration to insure and guarantee refinanced mortgages that have been significantly written down by mortgage holders and lenders. A summary of the proposed draft and the full text is available on the Financial Services Committee website. Mr. Frank cautioned interested readers that the text of the proposed legislation could change over the next few weeks and encouraged comments from all concerned parties.

The new program would permit FHA to provide up to $300 billion in new guarantees that would help to refinance at-risk borrowers into reasonable and affordable new loans. In consideration of a significant reduction of principal, the existing lender or mortgage holder would receive a short payment from the proceeds of a new FHA loan and subsequently the new loan would result in terms that the borrower can reasonably be expected to pay. The existing lender or mortgage holder would receive a cash payment and would agree to not harm or affect the credit of the borrower.

This proposal could potentially refinance between 1 and 2 million loans, thereby helping Chico families to stay in their homes, protect neighborhoods and help stabilize the housing market.

Under the proposed program, a homeowner or existing loan servicer would contact an FHA approved lender who would determine the eligibility and size of the loan consistent with the program’s guidelines. The lender would also evaluate and confirm the borrower’s ability to reasonably repay the new loan. If the current mortgage holder agrees to a write-down or discount of the existing principal balance in accordance with the requirements of the program and makes the new loan affordable, the FHA lender will pay of the existing mortgage.

In addition to the first lien, the newly proposed program grants the government a “soft” second lien to cover the FHA’s costs and preclude borrower misuse of the program such as “flipping” or speculative buying and selling of homes. When the borrower sells or refinances the home there would be a required payment from the profits. This payment would be the higher of a 3 percent exit fee or a declining percentage of any profits ranging from 100 percent in the first year to 20 percent in the fifth year. After the fifth year, the 3 percent exit fee would be the maximum.

Other requirements for eligibility to the program must be met. Eligible applicants are limited to owner occupied principal residences. There is no availability to rental homes, speculative homes or owner occupied second homes. The existing senior loan being refinanced must have been originated between January 1, 2005 and July 1, 2007. To avoid borrowers purposely defaulting on existing loans, the borrower must have a debt to income ratio of 40 percent or higher as of March 1, 2008 and must certify that he/she has not intentionally defaulted. Existing mortgage holders or investors wishing to participate must waive any penalties or fees associated with the existing mortgage and accept the proceeds of the new loan as payment in full. In order for the existing mortgage holder to participate in the program, a significant reduction of the existing loan balance must be “written off” so that the new FHA loan does not exceed 90 percent of the property’s current appraised value. Additionally, the principal reduction of the existing loan must provide for all up front fees for the new loan. Participating existing mortgage holders are limited to a payment of no more than 85 percent of the current appraised value of the property.

Distressed borrowers stuck with adjustable rate loans that are about to be or have been recently reset really need to pay attention to this program. Once enacted, this program will provide to eligible participants not only relief from a looming, excessive home loan, but the possibility of increased equity and a new loan tailored to a borrower’s realistic ability to repay.

Let’s hear it for this bold new step in the right direction by our Federal Legislators.

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Chico CA Real Estate Market Report for Week Ending 2/18/2008

February 20th, 2008 Categories: Chico CA Real Estate Market Stats, Chico CA Real Estate News

Chico real estate market data.

I’ve always found real estate market reports to be really dry reading… but many of you potential Chico buyers and sellers have been coming to my blog looking for this type of information, so here you go!

The following represents the market data including Chico homes sold, listed, price changes, and pendings for single family homes only. Chico areas covered are 1A to 1F, as provided by the Sierra North Valley MLS.

Looking for other Chico real estate market data? Tell me what you need!

Subscribe to Chico CA Real Estate Blog and MLS Listings Search to receive regular market updates.

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