Home > JILL BERNI REO Team
California - Real Estate
JILL BERNI Reo-Team 
JILL BERNI JIlloaktree@yahoo.com 916 834-2822 30 years of Real Estate Evolution: Loan Underwriter, Banker, Branch Manager, Real Estate Broker.
EDWARD L. BERNI eberni@sbcglobal.net 866 866 6662 27 year Career in all phases of Sales Management, and Marketing of Bank-Owned Properties.
DOUG DEMETRE DOUGDEMETRE@SBCGLOBAL.NET 9I6 826-3968 SALES MANAGER with over 40 Years of Customer Service, both Wholesale and Retail Transactions.
RON GIANONNI Ron@rcg-realestate.com 530 274-7382 Since 1965, Ron has established Long-Term REO relationships throughout Northern California.
LARRY GADDIS LARRYGADDIS@SBCGLOBAL.NET 707 228-8338 Licensed Loan Officer, and Retail Marketing Manager. Banker Relations Department
ERIC BERNI ERICBERNI@YAHOO.COM 916 536-1700
EDUARD RAMERE eduard@eramire.com 916 000-0001
TIM GODBY TGODBY@SUREWEST.COM 916 337-4800
Bank Owned and Pre Foreclosure Inventory: BulkWholesaleHomes.com
Find bargain homes ahead of everyone else.
FORECLOSURE INFORMATION
The following information has been composed to help you and should be used as general guidelines when trying to purchase a foreclosed home. Many of these issues come up on a regular basis when writing and offer, negotiating the counter offer or in the sale of the property. After reading this information you will understand the typical standards applied by many of the 3rd party sellers.
PRICING
The seller typically sets the price of the foreclosed property based on three items:
1) Price opinion from the Real Estate Broker that has the listing
2) A second price opinion from another RE Broker or an Appraiser
3) They look at what they have into the property.
After factoring these items they set a price that is competitive and should have the property sold within 90 days. Because they try to price the property competitively many times there will be multiple offers on the property. At this point you will be notified that there is more than one offer.
OFFERS
Typically the seller requires offers to be submitted with a prequalification letter (financed) or proof of funds (cash). Many times the seller will not negotiate unless this is included.
Most of the sellers have standard addendums that address items such as inspections, who pays what fee’s, and the property is being sold “AS-IS”. Many of the sellers will require these to be submitted with the offer.
In order for your offer to be considered the seller will require earnest money with the offer. The amount of the earnest money is according to the price of the property. Typically a minimum of $1000 is a good rule of thumb, but the more expensive the property the more earnest money the seller may require.
Most sellers will not accept an offer that is contingent on another property selling, unless it is under contract at the time of the offer.
DISCLOSURES
The sellers of foreclosed properties have never lived in the home and in most situations have never seen the home and have no knowledge of defects or deficiencies of the property. You do have the right to have a home inspection, performed either personally or by a professional. This should be made part of the offer and conducted in a timely manner.
Redemption rights do apply in some States. What this basically means is the person that was foreclosed upon has the right, up to 1 year of foreclosure date, to redeem the property. Along with the prior owner any secondary lien holders also have this right. Although this rarely happens it is a possibility and you should seek legal advise for your personal exposure because the party wishing to redeem the property has to pay all lawful charges including necessary repairs made to the property.
SERVICE AREA
(NORTHERN CALIFORNIA)
EL DORADO COUNTY, PLACER COUNTY.SACRAMENTO COUNTY
El Dorado County,
Garden Valley (95633),
Rescue (95672),
Shingle Springs / Cameron Park (95682),
Coloma (95613),
Placerville (95667,)
El Dorado Hills (95762),
Cool (95614),
Pilot Hill (95664),
El Dorado (95623),
Diamond Springs (95619),
Lotus (95651),
Placer County,
Penryn (95663),
Rocklin (95677),
Granite Bay (95746),
Roseville (95661),
Lincoln (95645)
Roseville (95747),
Lincoln (95648),
Roseville (95678),
Loomis (95650),
Newcastle (95658).
Sacramento County,
Carmichael (95608),
North Sacramento Natomas Del Paso Heights (95838),
Sacramento Elder Creek Fruitridge (95820),
Citrus Heights (95621),
North Sacramento Natomas Del Paso Heights (95833),
Sacramento Elder Creek Fruitridge (95824),
Sacramento Downtown Midtown (95816),
North Sacramento Natomas Del Paso Heights (95835),
Sacramento Florin & Vicinity (95829),
North Sacramento Natomas Del Paso Heights (95834),
North Sacramento Natomas Del Paso Heights (95836),
Sacramento Florin & Vicinity (95830),
East Sacramento & Vicinity (95817),
Orangevale (95662),
Sacramento Florin & Vicinity (95828),
East Sacramento & Vicinity (95819),
Ranch Cordova Gold River (95670),
Sacramento Foothill Farms (95842),
Elk Grove (95758),
Rancho Cordova (95742),
Sacramento Franklin Freeport Vicinity (95823),
Elk Grove (95757),
Rancho Murieta (95683),
Sacramento Franklin Freeport Vicinity (95832),
Elk Grove (95624),
Represa (95671),
Sacramento International Airport & Vicinity (95837),
Elverta (95626),
Rio Linda (95673),
Sacramento Land Park Curtis Park (95818),
Fair Oaks (95628),
North Highlands& Vicinity (95660),
Sacramento Rosemont College Greens Mayhew (95827),
Folsom & Vicinity (95630),
Sacramento Antelope (95843),
Sacramento Rosemont College Greens Mayhew (95826),
Galt (95632),
Sacramento Arden Arcade Creek Vicinity (95821),
Sacramento So Land Park Greenhaven (95831),
Herald (95638),
Sacramento Arden Arcade Creek Vicinity (95841),
Sacramento South Land Park Greenhaven (95822),
Sacramento Downtown Midtown (95814),
Sacramento Arden Arcade Creek Vicinity (95864),
Sacramento Arden-Arcade Creek Vicinity (95815),
Mather (95655),
Sacramento Arden Arcade Creek Vicinity (95825),
Wilton (95693).
Jill Berni - Celebrating 30 Years of Customer Service
BROKER/OWNER
916 834-2822
916 933-4454 -fax
WWW.GOTOOAKTREE.COM
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