1680 Vallejo Video Walkthrough

1680 Vallejo Seaside 3 Bedrooms and 2 full bathrooms, large storage room attached, attic storage with stairs, pull-out drawers and tons of storage cabinets inside. Carport and privacy yard.

Feel the joy at 1680 Vallejo in Upper Seaside, California on the Monterey Peninsula.  This quiet and well-maintained neighborhood, known as Monterey Bay's Sunbelt community, is near the best new restaurants.  Enjoy the space in this three-bedroom home with more than approximately 1300 square feet and two full sized bathrooms.

This mid century home, boasts hardwood flooring, unique built-in cabinetry, crown molding, a peek of the bay, and a brand new roof in 2019 with skylights.

Enjoy indoor-outdoor lifestyle with completely private back and side yards.  This location, tucked under General Jim Moore, offers an excellent commute to Marina, Carmel, Monterey, Pacific Grove, CSU-Monterey Bay and more.

AVOID FORECLOSURE IN CALIFORNIA: OPTIONS IF

YOU’RE BEHIND ON MORTGAGE PAYMENTS

By Juliette Ferguson, CRS, MBA, Associate Broker, Sotheby’s International Realty,

Juliette "Jette the Realtor" Ferguson, Jette Ferguson Real Estate Group, Inc.

DRE 01405735, teamjette.com  831-402-3800.

March 27, 2020

Job loss, Covid19, divorce, and medical issues—sometimes life happens in unexpected ways and then the mortgage payment is due. If you get behind and are unable to catch up on payments, the bank may begin foreclosure proceedings against you. Being foreclosed on can create a ripple effect—not only losing your home, but also losing the money you put into your home to update it. Additionally, your credit score will be negatively affected for up to seven years. I have clients who believed it was over after seven years, only to be taken to court to recover any leftover money owed. There are also tax consequences.

Last year, I was able to assist a client (seller) on Edinburgh Street in Monterey, California, to avoid foreclosure.  He hired me as a realtor at the last possible minute—when his home was set up to be sold at auction on the court house steps in Salinas, California. My team was able to jump in immediately and sell his home in less than one week with multiple cash offers for much more than it would have sold for on the court steps. Additionally, he ended up with the remaining funds after the sale. Funds his family needed.

They were able to avoid credit issues.  I only wish we could have known a few months earlier because had we jumped in to sell his home before it was set to be auctioned off, we would have been able to sell it for more than $100,000 more.  I am proud that we sold it within the 10 day window of time for more than the seller expected. These are the heart-wrenching experiences we go through with our clients. As a realtor, I am involved in the highs and lows in our client’s lives. From marriage, to first time home purchases, to end of life situations and working with the children of past clients. I am often asked why I do this and I truly cannot imagine doing anything else. I love being a part of important times in our client’s life. It creates a lifelong bond and I consider past clients “my forever peeps”.

If you’ve missed a mortgage payment or two and are concerned that the bank may foreclose on your home, take heart. There are things you can do to avoid foreclosure. No one wants a home foreclosure—neither you nor your . Your lender wants payment, not a house. They may be flexible in helping you keep your home. If all else fails, you may find that selling your house is the best solution for you.

Contact your lender immediately if you are unable to make a mortgage payment. Please do not be shy about this because your lender may be able to support you through the process. Be honest about the situation you are in and what you are doing to improve that situation. Each lender varies on how the work to help you to avoid foreclosure on your home. Some banks allow more time before starting the foreclosure process, but usually it is a matter of months. Your lender may offer advice on how to avoid foreclosure altogether. If you do not know your mortgage type, ask your lender. If you have a mortgage backed by CalHFA—California Housing Finance Agency, they have a foreclosure prevention program. (https://www.calhfa.ca.gov/myaccount/hardship/ )

Avoid Foreclosure with a well times home sale

You can avoid the hassle of negotiating with the bank and the possibility of an eventual foreclosure by selling your house with a real estate agent. If you sell your house before you miss any mortgage payments, your credit record will not suffer at all. Even if your mortgage payments are not current, your house can be listed on the market.

I have experienced many home sellers in distress and it seems, every single time, there is a cash buyer or neighbor buyer offering a low-ball offer. I have been able to sell their home for at least $100,000 more than any of those offers. And while it is important to sell your home to someone you feel good about—it is also important to keep money to support yourselves in challenging times. I always recommend selling your home to the person paying the highest price with the best terms FOR YOU—MY SELLER.

Other things to consider are forbearance, loan modification, deed in lieu of foreclosure

. http://www.freddiemac.com/about/covid-19.html

How to hold Title. Kyle Krasa, Trust Attorney discusses how to hold title related to real property. He discusses the trust deed and how to hold title. Discuss this with your trust attorney or legal representation prior to deciding how to hold title. This can be changed if you selected something without researching it. He mentioned Joint Tenancy - when one person dies, the remaining joint tenants automatically inherit the property, avoiding probate. Kyle mentions a recent client whose relative passed away related to tenants in common - in this case it required probate court. Kyle discussed a home sale that he had referred to me and I sold it quickly with multiple offers. Kyle compliments Jette, "Whenever you say the name JETTE FERGUSON, the house is sold." Find Kyle Krasa at: https://krasalaw.com/about-the-firm/k... About Juliette Ferguson, Jette the Realtor Jette has lived throughout California including San Francisco, Los Angeles, Fresno, and Silicon Valley and has worked in high tech Silicon Valley start-ups and major corporations. Believer in local community, Jette is an active volunteer from board leadership to marketing and event management. Affiliations include Jr. League of Monterey County Sustainer, Pacific Grove and Seaside Rotary past membership, Foster Youth of America. Non-Profit leadership included Executive Director of the Lyceum of Monterey County and Fundraising and Event Management with Carmel Foundation. Jette earned her Master's Degree from CSU-Monterey Bay in 2010 and her CRS - Certified Residential Specialist designation in 2015. She is a volunteer Network Director for RRC - Residential Real Estate Council and has been active in Junior League, Rotary International, P.G. Good Ole' Days Parade, Carmel Foundation's Concours on the Avenue, Foster Youth America, and the Lyceum of Monterey County. Juliette "Jette the Realtor" Ferguson, CRS, MBA, Broker-Associate DRE 01405735 Jette Ferguson Real Estate Group, CEO, Sotheby's International Realty, Broker-Associate You can reach Jette directly at 831-402-3800, Jette@teamjette.com, www.teamjette.com

Social Distancing Policy (PLEASE NOTE—VIDEO’S WERE TAPED PRIOR TO COVID19 OUTBREAK)

In light of “Social Distancing” as urged by health care professionals due to the Coronavirus outbreak, until further notice, Jette Ferguson Group at Sotheby’s International Realty, inc. will proceed as follows:

· No In-Person contact. We will keep our doors locked and will handle all communications via telephone, email, and/or videoconferencing.

· If you are dropping off physical documents, please call us (831-402-3800) to let us know that you dropped something off. If you are picking-up an inspection binder or other large item, please call ahead of time (831-402-3800) and we will arrange to ship it to your address.

We will review all prepared documents with our clients via telephone, email, and/or videoconferencing.  Clients will be assigned a mobile notary for escrow document signing.

These procedures are in place for your safety and for the safety of our employees to ensure that we remain able to serve our clients.  The substantive services that we provide will not be hindered by these new procedures. Despite these measures, we remain available to serve our clients.

Thank you, Juliette Ferguson, Jette Ferguson Group, inc

COVID 19 networking at its greatest...

1- it’s ok to look at other humans, smile, say hello, and wave... any or all of the above. 2- accidental COViD networking... Here is how I accidentally networked today on my bike ride. I road my bike to cannery row and fisherman’s wharf today. I paused to take this video and walked about 10 feet away from my bicycle, just behind “C” restaurant and bubba gump. During those few minutes, a young couple sat on the bench with their dog and toddler right next to my bicycle. Upon my return, I awkwardly asked them to please move away from my bicycle so that I could get it while remaining a distance ( otherwise I’d be less than 1 foot from them). Some may feel this is an overreaction. I’m saying this because it was uncomfortable to ask, but we all need to overcome embarrassment and ask. I’m keeping six feet from all people for their sake and mine. They jumped up immediately with full understanding. Then, the guy asked, “ Do you work with Sotheby’s?” We chatted a minute at a distance and I now know Andrew Roberts of Aspen Snowmass Colorado SOTHEBY’S Realty! Small world! Teamjette.com

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You will love this single story mid-century ranch home in Mescal-Granada area of upper Seaside, sequestered below General Jim Moore.  Owned by one family, you will feel the love the second you enter the living room. Years of enjoyment were spent in this home with chats in the eat-in kitchen and playing in the spacious corner lot.  This home is faces east for morning sunshine, offers great bones, and comes with a nice floor plan offering room for expand.  The spacious corner lot has room to garden and play.  Original oak hardwood floors are located below the carpet.  Feel the love in this home as you enter the living area and cozy eat-in kitchen.  The great layout exudes mid-century charm and the spacious corner lot affords indoor-outdoor living.  Build up and have phenomenal ocean views.  Easily traverse to the beach, hiking, and local restaurants and shops.