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
Real Estate by City Popularity
California - Real Estate
Acton Adelanto Agoura Hills Alameda Alamo Albany Alhambra Aliso Viejo Alpaugh Alpine Altadena Alturas Amador City American Canyon Anaheim Anderson Angwin Antioch Apple Valley Aptos Arbuckle Arcadia Arcata Armona Arnold Aromas Arroyo Grande Artesia Arvin Atascadero Atherton Atwater Auberry Auburn Avalon Avenal Avery Azusa Bakersfield Baldwin Park Banning Barstow Beale Afb Beaumont Beckwourth Belden Bell Bell Gardens Bellflower Belmont Ben Lomond Benicia Berkeley Bethel Island Beverly Hills Big Bear City Big Bear Lake Big Bend Big Pine Biggs Biola Bishop Bloomington Blue Lake Blythe Bodega Bay Bodfish Bolinas Bonita Bonsall Boron Borrego Springs Boulder Creek Boyes Hot Springs Bradley Brawley Brea Brentwood Brisbane Buellton Buena Park Burbank Burlingame Burney Buttonwillow Byron Cabazon Calabasas Calexico California City Calimesa Calipatria Calistoga Camarillo Cambria Campbell Cantua Creek Capitola Carlsbad Carmichael Carpinteria Carson Caruthers Castaic Castro Valley Castroville Cathedral City Cayucos Ceres Cerritos Chester Chico Chinese Camp Chino Chino Hills Chowchilla Chualar Chula Vista Citrus Heights Claremont Clayton Clearlake Clearlake Oaks Clio Cloverdale Clovis Coachella Coalinga Cobb Colfax Colton Columbia Colusa Compton Concord Copperopolis Corcoran Corning Corona Coronado Corte Madera Costa Mesa Cotati Cottonwood Covelo Covina Crescent City Crescent Mills Crestline Crockett Culver City Cupertino Cutler Cutten Cypress Daly City Dana Point Danville Darwin Davis Deer Park Del Mar Del Rey Delano Delhi Denair Desert Hot Springs Diablo Diamond Bar Diamond Springs Dillon Beach Dinuba Dixon Dorris Dos Palos Downey Duarte Dublin Ducor Dunsmuir Durham Earlimart El Cajon El Centro El Cerrito El Dorado Hills El Granada El Monte El Segundo El Sobrante El Verano Eldridge Elk Grove Elmira Emeryville Empire Encinitas Escalon Escondido Esparto Etna Eureka Exeter Fair Oaks Fairfax Fairfield Fall River Mills Fallbrook Farmersville Farmington Fellows Felton Ferndale Fillmore Firebaugh Folsom Fontana Foothill Ranch Foresthill Forestville Fort Bragg Fort Jones Fortuna Fountain Valley Fowler Frazier Park Freedom Fremont French Camp French Gulch Fresno Friant Fullerton Galt Garden Grove Gardena Gazelle Georgetown Gilroy Glen Ellen Glendale Glendora Goleta Gonzales Goshen Grand Terrace Granite Bay Grass Valley Graton Greenfield Greenview Greenville Grenada Gridley Grover Beach Guadalupe Guerneville Gustine Hacienda Heights Half Moon Bay Hamilton City Hanford Hawaiian Gardens Hawthorne Hayfork Hayward Healdsburg Heber Hemet Hercules Hermosa Beach Hesperia Hickman Hidden Valley Lake Highland Hollister Holtville Homeland Hornbrook Hughson Huntington Beach Huntington Park Huron Hydesville Imperial Imperial Beach Independence Indian Wells Indio Inglewood Inverness Inyokern Ione Irvine Isleton Ivanhoe Jackson Jamestown Jamul Johannesburg Joshua Tree Julian Keeler Keene Kelseyville Kentfield Kerman Kernville Kettleman City Keyes King City Kings Beach Kingsburg Kirkwood Klamath Knightsen La Canada Flintridge La Habra La Mesa La Mirada La Palma La Puente La Quinta La Verne Lafayette Laguna Beach Laguna Hills Laguna Niguel Laguna Woods Lake Arrowhead Lake Elsinore Lake Forest Lake Isabella Lakeport Lakeside Lakewood Lamont Lancaster Larkspur Lathrop Laton Lawndale Laytonville Le Grand Lebec Lemon Cove Lemon Grove Lemoore Lewiston Lincoln Linden Lindsay Littlerock Live Oak Livermore Livingston Lockeford Lodi Loma Linda Lomita Lompoc Lone Pine Long Beach Loomis Los Alamitos Los Alamos Los Altos Los Angeles Los Banos Los Gatos Los Molinos Lost Hills Lower Lake Loyalton Lucerne Lynwood Macdoel Madera Magalia Malibu Mammoth Lakes Manhattan Beach Manteca Manton Maricopa Marina Marina Del Rey Mariposa Markleeville Martinez Marysville Maywood Mcarthur Mccloud Mckinleyville Meadow Valley Meadow Vista Mecca Mendocino Mendota Menifee Menlo Park Mentone Merced Middletown Mill Valley Millbrae Millville Milpitas Mineral Mira Loma Mission Hills Mission Viejo Modesto Mojave Mokelumne Hill Monrovia Montague Montara Montclair Monte Rio Montebello Monterey Monterey Park Montgomery Creek Moorpark Moraga Moreno Valley Morgan Hill Morongo Valley Morro Bay Moss Beach Moss Landing Mount Shasta Mountain Ranch Mountain View Murphys Murrieta Napa National City Needles Nevada City Newark Newman Newport Beach Newport Coast Nice Niland Nipomo Norco North Highlands Norwalk Novato Nuevo Oak Park Oak View Oakdale Oakhurst Oakland Oakley Occidental Oceano Oceanside Ocotillo Ojai Olancha Olivehurst Ontario Onyx Orange Orange Cove Orangevale Orinda Orland Orosi Oroville Oxnard Pacific Grove Pacifica Palermo Palm Desert Palm Springs Palmdale Palo Alto Palo Cedro Palo Verde Paradise Paramount Parlier Pasadena Patterson Penn Valley Perris Petaluma Pico Rivera Piedmont Pine Valley Pinole Piru Pismo Beach Pittsburg Pixley Placentia Placerville Planada Pleasant Hill Pleasanton Plymouth Point Arena Point Reyes Station Pollock Pines Pomona Port Costa Port Hueneme Porterville Portola Portola Valley Poway Quincy Rail Road Flat Raisin City Ramona Rancho Cordova Rancho Cucamonga Rancho Mirage Rancho Palos Verdes Rancho Santa Fe Rancho Santa Margarita Randsburg Red Bluff Redding Redlands Redondo Beach Redway Redwood City Reedley Rialto Richgrove Richmond Ridgecrest Rio Dell Rio Linda Rio Vista Ripon Riverbank Riverdale Riverside Rocklin Rodeo Rohnert Park Rosamond Rosemead Roseville Ross Round Mountain Rowland Heights Running Springs Sacramento Salida Salinas Salton City San Andreas San Anselmo San Ardo San Bernardino San Bruno San Carlos San Clemente San Diego San Dimas San Fernando San Francisco San Gabriel San Geronimo San Jacinto San Joaquin San Jose San Juan Bautista San Juan Capistrano San Leandro San Lorenzo San Lucas San Luis Obispo San Marcos San Marino San Martin San Mateo San Miguel San Pablo San Rafael San Ramon Sanger Santa Ana Santa Barbara Santa Clara Santa Clarita Santa Cruz Santa Fe Springs Santa Maria Santa Monica Santa Paula Santa Rosa Santa Ynez Santee Saratoga Sausalito Scotts Valley Seal Beach Seaside Sebastopol Seeley Selma Shafter Shandon Shasta Lake Shaver Lake Shingle Springs Shingletown Shoshone Sierra Madre Signal Hill Simi Valley Solana Beach Soledad Solvang Sonoma Sonora Soquel Soulsbyville South Dos Palos South El Monte South Gate South Lake Tahoe South Pasadena South San Francisco Spreckels Spring Valley Springville Squaw Valley Stanford Stanton Stinson Beach Stockton Storrie Stratford Strathmore Strawberry Suisun City Summerland Sun City Sunnyvale Sunol Susanville Sutter Sutter Creek Taft Tahoe Vista Talmage Taylorsville Tecopa Tehachapi Tehama Temecula Temple City Templeton Terra Bella Thousand Oaks Thousand Palms Three Rivers Tipton Tomales Torrance Tracy Tranquillity Traver Trinidad Truckee Tulare Tulelake Tupman Turlock Tustin Twain Twain Harte Twentynine Palms Ukiah Union City Upland Upper Lake Vacaville Vallecito Vallejo Valley Center Valley Springs Ventura Victorville Villa Park Visalia Vista Wallace Walnut Walnut Creek Walnut Grove Wasco Waterford Watsonville Weaverville Weed Weldon West Covina West Hollywood West Point West Sacramento Westlake Village Westley Westminster Westmorland Westwood Wheatland Whittier Wildomar Williams Willits Willow Creek Willows Wilton Winchester Windsor Winterhaven Winters Winton Wofford Heights Woodacre Woodlake Woodland Wrightwood Yolo Yorba Linda Yountville Yreka Yuba City Yucaipa Yucca Valley
| 
