Chris Spade

The forbearance and foreclosure moratoriums are set to end--and the CFPB says to servicers--do you job.  What does that mean for the home borrower?  Take a listen.  Questions about your mortgage, call me at 619-818-2992.  I'd love to help you.  Chris Spade Keller Williams CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

The forbearance time period is about to end and you need to know what your repayment options are.  Today we talk about what those options are and what you can expect.  Have questions about your mortgage?  Call me at 619-818-2992.  I'm happy to answer those questions for you.  Chris Spade Keller Williams CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

Under the CARES Act the deadline for mortgage forbearance is ending.  What you need to know before you get caught off guard.  The best thing I can recommend....answer you phone!   Take a listen to what you need to know and as always if you have any questions, please reach out to me.  I want to be your resource. My cell is 619-818-2992.  Chris Spade Keller Williams CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

Are you ready to make 2021 the year that you buy a home?  If you are, there are some things that you can start doing now to make that process easier.  Take a listen and check out what they are.  Questions?  Call me at 619-818-2992.  I'd love to help you.  Chris Spade Keller Williams CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

That dreadful "B" word that no one likes to talk about--Budget.  Let's face it, if you want to do right by your credit and buy a house it's the only way to go.  Budgeting takes some work and discipline but if done correctly, it can help you save for a downpayment--FAST!!  To see where you might be spending more than you should, take a listen, you might be surprised with how much you can save.  Questions?  Feel free to reach out to me at 619-818-2992.  I'd love to help.  Chris Spade Keller Williams San Diego Metro CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

Nobody likes it, but let's face it, in order to buy a home you need to show the lender that you're a good credit risk.  The higher the score the less of a risk, the lower the score the higher the risk.   Well, there are five things that you can do to help change the factor of your credit score.  We go over those, plus the things that make up your credit score to help you get in a better position to buy a home.  Remember, buying a home is a marathon, not a sprint.  Questions?  Call me at 619-818-2992.  I'd love to help you out.   Chris Spade Keller Williams CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

Well, the numbers don't lie.  The real estate market is on fire.  We are seeing a increase of over $100,000 in just one year.  Take a listen to where the numbers are at. Questions, call me at 619-818-2992.  I'm happy to go over them with you. Chris Spade Keller Williams CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

Let's face it, right now, there are less than 3000 homes on the market in San Diego County.  That means that sellers are in the driver's seat.  Be wary though, buyers, they aren't fooled.  They know what a good value is and what's not.  Today, we talk about the 18 things that you can do to get your home sold in this market.   Questions?  Call me at 619-818-2992.  I'd love the opportunity to speak to you.  Chris Spade Keller Williams San Diego Metro CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

To sell or not to sell during the holiday's that is the question.  There are a lot of people who think, "why on earth would I sell my home during the holidays?" Well, I'm here to tell you that you may want to think twice.  Today, we go over the four reasons you will want to sell your home during the holiday,  Questions about selling your home?  Call me at 619-818-2992.  I'd love to chat with you.  Chris Spade Keller Williams CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://anchor.fm/chris-spade/support

This fire season has been devastating for California.  Since January there have been an estimated 8,100 wildfires across the state, and 96,000 residents displaced from their homes.  Today, we talk to State Farm Agent Dorian Brewer about what you need to know to see if your home has enough insurance on it, incase you are caught in a firestorm.  Questions about buying a home, selling a home or investing in real estate?  Call me at 619-818-2992.  I'd love the opportunity to chat with you.  Chris Spade Keller Williams CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

Black knight is reporting that there are four million Americans in forbearance across the US.  Many of those borrowers are now in the foreclosure process. As of right now in San Diego, there are approximately 90 properties in the county that are up for foreclosure.  If you are one of those who are in forbearance and unemployed you may want to check out this podcast.  Be armed with information.  If you have questions about your mortgage, call me for a private, confidential consultation at 619-818-2992.  Chris Spade Keller Williams CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://anchor.fm/chris-spade/support

I hate to be the one to have to tell you this, but there are going to be foreclosures in California.  It's a fact of life.  The majority are going to come from landlords who will be losing their rental properties because of the eviction moratorium.  So, if there is a moratorium on evictions, why not on foreclosures?  Well, that's a good question.  Today, the government aka the White House stepped in and put a halt to evictions.  Now, while in no way am I condoning a swift kick in the keester during a pandemic, you have to understand that this is just kicking the can down the road.  At some point, if renters do not pay their mortgage, they will be kicked out of their homes.   If you are a landlord facing foreclosure, what are your options?  We go over what you can do.  Even if you aren't a landlord, there are options you have to saving your home.  Take a listen and if you'd like to sit down and talk about your options in further detail, feel free to reach

In March, the Mayor and Governor declared a state of emergency due to Covid-19.  They also but a temporary ban on evictions.  Now, renters who cannot pay, this is a good thing, hoping that they will be able to get above water--meantime, there landlords who aren't able to make their mortgage payments.  This is where I think will be a huge glut of inventory--in the multiunit market.  Today, we talk about when that will likely be and if you are a renter--what you have to do to prove hardship.  Questions?  Call me at 619-818-2992 Chris Spade Keller Williams CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

Governor Newsom has closed down businesses once again and that's got many people upset.  That's also leaving some people wanting answers.  Can you blame them?   When the CARES act was passed--homeowners were allowed to put their mortgage on pause.  That allowed people to get. breather.  The challenge is most people did not read the fine print on the paperwork they were signing and now, they're having a balloon payment due.  In today's show we go over what that is, what it means and what you need to know.   Are you in forbearance and have questions?  Call me, I'd love to chat.  Also, send me a text or email for my Forbearance Survival Guide.  619-818-2992 cmspade@gmail.com Chris Spade Keller Williams CA BRE #01785713  CA BRE #01295699  --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

Should you stage your home to sell?  Well, I've always been a big proponent of staging homes.  Why?  They sell faster.  Staging a home is like getting ready for a wedding.  You want the bride to look good when she's about ready to walk down the aisle and have everyone in awe.  Selling a home that is staged is much like that.   Today, we sit down with Danni Kaplan from Everything Creative Designs and talk about what makes her company unique and how far they have come since the started the business.   For questions on staging your home, call Danni at 858-693-4907.   For questions on buying a home, selling a home or investing in real estate, call me at 619-818-2992.   Chris Spade Keller Williams CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

Keeping on our theme this week, how do you do DIY projects on a budget.  That's the focus of today's podcast.  Find out some simple things you can do to stay the course when it comes to your finances.  Questions?  Call me, I can be reached at 619-818-2992.   Chris Spade Keller Williams San Diego Metro CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

Millions of Americans are without an income and many are wondering where their next meal is going to come from.  Well, the truth is stretching your dollar isn't easy and now more than ever it's super important.  Today we talk about some tips and tricks on how to feed a family of four on $50 a week.   Do you have any extra money saving tips?  Give me a call.  I'd love to include you in on it.  Meanwhile, if you have any questions about real estate, check in.  I'm here for you.  Call me at 619-818-2992.  Chris Spade Keller Williams San Diego Metro CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

Quarantine is getting a little too cozy for a lot of people and right now my phone is starting to ring off the hook about getting a divorce.  On today's podcast we talk about some of the things I think you should consider when it comes to selling your home during a divorce.   Questions about selling your home during a divorce?  Call me at 619-818-2992 Chris Spadew Keller Williams San Diego Metro CA BRE #01785713 CA BRE #01295699 --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support

There has been a lot swirling around about whether or not it's a good idea to do a forbearance on your mortgage.  Initially, in the beginning, it sounded like a good idea but as the weeks have trailed along, we've come to realize, it's not a good idea.  Today, I sat down with Wes Shaw from Movement Mortgage to talk about why you may want to think twice before you put your mortgage on hold.   Make not mistake, if you can't afford to make the payment, definitely take the options your servicer is offering, however, know what you are getting into before you agree to anything.   For more information on this you can reach out to me at 619-818-2992 or you can call Wes Shaw at Movement Mortgage at 858-888-5270.   CA-DBO272036 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (For licensing information, go to: www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by CA Department of Business Oversight under the California Residential Mortgage

A small West Virginia Bank is the first bank to take a tumble amid the coronavirus.  What really happened and why we need to keep an eye on any bank going under at this time.   Plus, how to make your workspace work for you.  the top things that you can do now to make sure you have your most productive day possible.   Questions about real estate?  Call me at 619-818-2992.  I'd love the opportunity to chat with you.  Chris Spade Keller Williams San Diego Metro CA BRE #01785713 CA BRE #01295699 Music Courtesy of Epidemic Sound:  https://www.epidemicsound.com/track/heRh3yZqaU --- Support this podcast: https://podcasters.spotify.com/pod/show/chris-spade/support