“Short Sales”

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Schematic representation of short selling in t...

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The short sales have been leading the market this year and I’m anticipating more to come.  Good news in the short sale department is now BANK OF AMERICA is now allowing me to submit backup offers on transactions if the original buyer fails to perform..this is a new procedure that they just implemented.  What this means for a buyer is that we don’t have to start the whole process again, I can just continue with the original transaction and still have the same specialist at Bank of America.  This change will save everyone time without repeating the number of process steps.

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Banks Need To Get Moving On Loan Mods

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I have been in the Real Estate for 21 years , and real estate is my passion.  The way I see it, most people are forced to do a short sale simply because the banks won’t modify their existing loan.  I have seen several instances in which struggling borrowers try to work with the banks, only to learn the banks won’t even consider a loan mod request until the mortgagee is three months behind. People who have pride in their home just need a little help and don’t want to go delinquent.  You would think the banks would want to help a borrower who truly have a hardship and who actually wants to pay their mortgage.  The government is helping banks cover their losses, so taxpayers should have a voice.

Buyers Bonus Plan

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Realty World Selzer Realty offers a fantastic Buyers Bonus Plan to clients who purchase their home through our office…

We have many great discounts, 20% off paint with Kelly Moore Paints, 15% off at Whispering Winds Nursery, Free install of Direct TV, Free delivery of a new TV and Free setup of a new TV through Poma TV. We also have furniture discounts, appliance discounts, carpet and home restoration discounts…

The Buyers Bonus Plan is just another reason to contact ME and choose Realty World Selzer Realty.

Call me today, Patty

Financing For Home Purchases

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WASHINGTON - OCTOBER 21:  The headquarters of ...

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FANNIE MAE”S HOMEPATH MORTGAGE IS A SPECIAL PRODUCT OFFERED TO FINANCE THE PURCHASE OF FANNIE MAE REO PROPERTIES

Benefits of HomePath Mortgage:

  1. Low down payment and flexible mortgage terms
  2. Down payment can be funded as a gift, grant, or a loan from a nonprofit organization, state or local government, or employer.
  3. No property appraisal required! All properties are sold “As Is”
  4. No mortgage insurance required
  5. Available for primary residences, second homes and investment properties.
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Taste of Downtown

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Taste of Downtown – Beer, Wine, Food Tasting

June 10, 2011
5:00 PM – 8:00 PM

Taste dozens of the many world-renowned wines, microbrews and beverages that Northern California has to offer, all while strolling the unique and quaint shops of Historic Downtown Ukiah.  Held the second Friday in June, the Taste of Downtown is perhaps the most anticipated social gathering of the year.  Festivities begin at 5:00pm and draw to a close at 8:00pm. 

For more information about this event please call 462.6789 or email mainst@pacific.net

Information curtesy of the Ukiah Main Street Program website: ukiahmainstreetprogram.org.

Realty World Awards Banquet

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Cancer Update from Johns Hopkins

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This is an extremely good article. Everyone should read it.  
AFTER YEARS OF TELLING PEOPLE CHEMOTHERAPY IS THE ONLY WAY TO TRY (‘TRY’, BEING THE KEY WORD) TO ELIMINATE CANCER, JOHNS HOPKINS IS FINALLY STARTING TO TELL YOU THERE IS AN ALTERNATIVE WAY .  
Cancer Update from Johns Hopkins : 

1. Every person has cancer cells in the body. These cancer  
  cells do not show up in the standard tests until they have
  multiplied to a few billion. When doctors tell cancer patients
  that there are no more cancer cells in their bodies after  
  treatment, it just means the tests are unable to detect the
  cancer cells because they have not reached the detectable
  size. 

2. Cancer cells occur between 6 to more than 10 times in a  
  person’s lifetime. 

3. When the person’s immune system is strong the cancer 
  cells will be destroyed and prevented from multiplying and
  forming tumors. 

4. When a person has cancer it indicates the person has
  nutritional deficiencies. These could be due to genetic,
  but also to environmental, food and lifestyle factors. 

5. To overcome the multiple nutritional deficiencies, changing
  diet to eat more adequately and healthy, 4-5 times/day 
    and by including supplements will strengthen the immune system. 

6. Chemotherapy involves poisoning the rapidly-growing
  cancer cells and also destroys rapidly-growing healthy cells
  in the bone marrow, gastrointestinal tract etc, and can 
  cause organ damage, like liver, kidneys, heart, lungs etc. 

7.. Radiation while destroying cancer cells also burns, scars 
  and damages healthy cells, tissues and organs. 

8. Initial treatment with chemotherapy and radiation will often
  reduce tumor size. However prolonged use of
  chemotherapy and radiation do not result in more tumor
  destruction. 

9. When the body has too much toxic burden from
  chemotherapy and radiation the immune system is either
  compromised or destroyed, hence the person can succumb
  to various kinds of infections and complications. 

10. Chemotherapy and radiation can cause cancer cells to
    mutate and become resistant and difficult to destroy.
    Surgery can also cause cancer cells to spread to other
    sites.

11. An effective way to battle cancer is to starve the cancer
    cells by not feeding it with the foods it needs to multiply. 

*CANCER CELLS FEED ON: 

a. Sugar substitutes like NutraSweet, Equal, Spoonful, etc are made
  with Aspartame and it is harmful. A better natural substitute
   would be Manuka honey or molasses, but only in very small
   amounts. Table salt has a chemical added to make it white in
  color Better alternative is Bragg’s aminos or sea salt. 

b. Milk causes the body to produce mucus, especially in the
  gastro-intestinal tract. Cancer feeds on mucus. By cutting
  off milk and substituting with unsweetened soy milk cancer
  cells are being starved. 

c. Cancer cells thrive in an acid environment. A meat-based
  diet is acidic and it is best to eat fish, and a little other meat, 
   like chicken. Meat also contains livestock
  antibiotics, growth hormones and parasites, which are all
  harmful, especially to people with cancer. 

d. A diet made of 80% fresh vegetables and juice, whole
  grains, seeds, nuts and a little fruits help put the body into
  an alkaline environment. About 20% can be from cooked
  food including beans. Fresh vegetable juices provide live
  enzymes that are easily absorbed and reach down to
  cellular levels within 15 minutes to nourish and enhance
  growth of healthy cells. To obtain live enzymes for building
  healthy cells try and drink fresh vegetable juice (most
  vegetables including be an sprouts) and eat some raw
  vegetables 2 or 3 times a day. Enzymes are destroyed at
  temperatures of 104 degrees F (40 degrees C).. 

e. Avoid coffee, tea, and chocolate, which have high
  caffeine Green tea is a better alternative and has cancer
  fighting properties. Water-best to drink purified water, or
  filtered, to avoid known toxins and heavy metals in tap
  water. Distilled water is acidic, avoid it. 

12. Meat protein is difficult to digest and requires a lot of
    digestive enzymes. Undigested meat remaining in the
    intestines becomes putrefied and leads to more toxic
    buildup. 

13. Cancer cell walls have a tough protein covering. By
    refraining from or eating less meat it frees more enzymes
    to attack the protein walls of cancer cells and allows the
    body’s killer cells to destroy the cancer cells. 

14. Some supplements build up the immune system
    (IP6, Flor-ssence, Essiac, anti-oxidants, vitamins, minerals,
    EFAs etc.) to enable the bodies own killer cells to destroy
    cancer cells.. Other supplements like vitamin E are known
    to cause apoptosis, or programmed cell death, the body’s
    normal method of disposing of damaged, unwanted, or
    unneeded cells. 

15. Cancer is a disease of the mind, body, and spirit.
    A proactive and positive spirit will help the cancer warrior
   be a survivor. Anger, un-forgiveness and bitterness put
   the body into a stressful and acidic environment. Learn to
   have a loving and forgiving spirit. Learn to relax and enjoy
   life. 

16. Cancer cells cannot thrive in an oxygenated
    environment. Exercising daily, and deep breathing help to
    get more oxygen down to the cellular level. Oxygen 
    therapy is another means employed to destroy cancer
    cells. 

1. No plastic containers in micro. 

2. No water bottles in freezer. 

3. No plastic wrap in microwave.. 

Johns Hopkins has recently sent this out in its newsletters. This information is being circulated at Walter Reed Army Medical Center as well. Dioxin chemicals cause cancer, especially breast cancer. Dioxins are highly poisonous to the cells of our bodies. Don’t freeze your plastic bottles with water in them as this releases dioxins from the plastic. Recently, Dr Edward Fujimoto, Wellness Program Manager at Castle Hospital , was on a TV program to explain this health hazard. He talked about dioxins and how bad they are for us. He said that we should not be heating our food in the microwave using plastic containers. This especially applies to foods that contain fat. He said that the combination of fat, high heat, and plastics releases dioxin into the food and ultimately into the cells of the body. Instead, he recommends using glass, such as Corning Ware, Pyrex or ceramic containers for heating food. You get the same results, only without the dioxin. So such things as TV dinners, instant ramen and soups, etc., should be removed from the container and heated in something else. Paper isn’t bad but you don’t know what is in the paper. It’s just safer to use tempered glass, Corning Ware, etc. He reminded us that a while ago some of the fast food restaurants moved away from the foam containers to paper The dioxin problem is one of the reasons. 
Please share this with your whole email list……………………. 
Also, he pointed out that plastic wrap, such as Saran, is just as dangerous when placed over foods to be cooked in the microwave. As the food is nuked, the high heat causes poisonous toxins to actually melt out of the plastic wrap and drip into the food. Cover food with a paper towel instead.

Selzer Home Loans Rate Sheet

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Please take a look at the fantastic rates our company offers! If you would like more information call me.

Where are you Spring/Summer?

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Isn’t this weather strange and frustrating? I don’t know about you but I started putting my winter clothes away only to have to pull them back out again! We have more rain and even thunderstorms on the horizon this week… I don’t know about you but I cannot wait for our lovely spring and summer in the beautiful Ukiah Valley! I have summer BBQ’s on the brain!

What’s your favorite time of year and where do you  most enjoy spending it? I know I get a lot of joy from our local area. Farmers Markets, walks in the neighborhood, parties outdoors, I can’t wait! 

Here is wishing a little sunshine on all of you! Patty

National Open House Weekend is this WEEKEND!

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Hello again -

Just wanted to remind you that this weekend is National Open House Weekend! Our office will be holding 21 homes open this weekend. The locations span from Willits to Ukiah, from $165,000 to $620,000.  Don’t forget to grab a copy of the Ukiah Real Estate Today on Friday and catch the action this weekend.

Sincerely ~ Patty McMillen