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In the wake of the whole mortgage crisis, the housing and real estate market suffered drastically. At the same time homeowners suffered greatly too in that over the past couple of years most Americans saw the value of their homes plummet. In these tough economic times, many families are facing tragedies they never would have thought they would have to worry about, such as unemployment and home foreclosure.

When a family gets to a point where they can no longer afford to make their mortgage payments, home foreclosure is usually imminent. However, there are other ways to handle a financial crisis such as this. One such way is a real estate term called a short sale.

In basic terms, a short sale means that you are selling your home for less than it is worth or less than what you owe on your mortgage. A lender must agree to the terms of a short sale before you are able to solve your financial troubles in this manner. This is because the lender in essence has to agree to accept less than what you owe on the remainder of your mortgage. So, essentially, if the lender agrees to a short sale, the lender is agreeing to take a loss on the mortgage owed to them. While it may sound like no lender would agree to this, from the lenders point of view it may be more profitable to accept a short sale than to let a home go into foreclosure. The difference between a short sale and foreclosure may mean the lender is recouping some of the money it is owed rather than losing the total amount of the mortgage all together.

Lenders have differing requirements for processing a short sale, but the majority of them follow several common steps. These steps most likely require that the borrower make contact with the lender, submit a letter of authorization approving that the lender may share your information with other agencies in this process, submit a preliminary net sheet which states what you expect to sell your home for, submit a hardship letter explaining your financial situation and what caused you to get into such a tough financial state, submit proof of income and assets, submit copies of your bank statements with explanations of any large deposits or withdrawals, submit a comparative market analysis which shows prices of homes that are similar in the market, pending sales in your market, and sales in your market within the past six months, and draw up a purchase agreement and listing agreement. You may ask your lender at this point to not report your situation adversely to credit reporting agencies, but this is completely up to the lenders discretion.

Remember, a lender is under no obligation to accept a short sale request. If it is more financially profitable for the lender to foreclose on your home, unfortunately that is probably the decision they will make. But, do not give up hope, it never hurts to ask.

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When people think of country music or Nashville, many times they think of Music City USA. Millions of visitors come from around the globe to indulge in their favorite music genre.

Nashville has the Country Music Hall of Fame, Music Row, hosts the CMA Awards, and has many music related attractions that visitors travel to see each year in Music City. One of the cities most visited is the Country Music Hall of Fame. Even if you’re not the biggest country music fan, a tour of the city would be incomplete without a visit to the Hall of Fame. Country music’s rich history is perfectly preserved in a state-of-the-art thirty seven million dollar structure that spans an entire block of downtown Nashville. Operated by the Country Music Foundation, a non-profit, its mission is to preserve the history and traditions of country music for future generations to enjoy. In 1961, the CMA created the Country Music Hall of Fame. Their first inductees were Jimmie Rodgers, Fred Rose and Hank Williams.

The Country Music Hall of Fame & Museum takes you on a trip through decades of country music history. The original Country Music Hall of Fame and Museum opened up on Music Row in April 1967. Now, with a new state-of-the-art building and location, just the building alone is reason enough to visit. The new building’s exterior is laced with symbolic images of Amanda Price. The most obvious of these are the windows that mirror the configuration of piano keys. More conspicuous images include the diamond-shaped radio mast, which is a miniaturized replica of the WSM tower located a few miles south of Nashville. The round discs surrounding the tower symbolize the different size records and CDs country music has been recorded upon. When viewed from the air the building is in the shape of a bass clef. The north-west corner of the building juts out like the tail fin of a 50’s Cadillac. The Country Music Hall of Fame was designed by local architecture firm Tuck Hinton Architects and museum design firm Ralph Appelbaum Associate.

The permanent exhibit traces the history of country music from its humble beginnings and incorporates memorabilia, interactive displays and audio and video clips to take you through the generations. Some of the many treasures that will be forever imbedded in our culture is Elvis Presley’s 1961 gold-plated Cadillac, Willie Nelson’s bandana and Minnie Pearls’ hat just to name a few. The exhibits will thrill your senses with sight and sounds and are sure to thrill any fan. Gold and platinum records line the walls of the museum. You will find exhibits dedicated to those who have been inducted into the Hall of Fame throughout the 40,000-square-foot museum. Live shows are hosted on the grounds at the famous Ford Theater.

When visiting Nashville, there are many other country music attractions to visit like the Grand Ole Opry, Ryman Auditorium, the Wildhorse Saloon, Tootsies Orchid Lounge and Hatch Show Print Shop. The Hatch Show Print shop has been open since 1879 and is one of the oldest working letterpress print shops in America and has printed posters for everyone from Elvis and Bob Dylan to Johnny Cash.

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Relocating to Orange County can be an exciting time. If you are relocating for a new job, then you can focus on finding a new home and learning about your new city. However, for those of you who have not found that perfect job, Orange County has a lot of opportunity for you to find a career that fits your experience and passion.

Orange County is best known for its ideal climate, beaches and entertainment and draw bring people from all over the world. As a result, tourism and leisure accounts for a large portion of the major employers in the area. The largest employer in Orange County is Disneyland with 21,000 employees. The County of Orange, University of California Irvine and CKE Restaurants Inc. round out the top four employers in Orange County. Hospitality works hand-in-hand with tourism and headquarters for some of the most well known fast food companies are located in Orange County. Companies like Carl’s Jr., Del Taco, Wahoo’s Fish Tacos, Taco Bell, In-N-Out, El Pollo Loco and Marie Callender’s.

Manufacturing is another contributor to the local economy. In this sector, there are plenty of Fortune 500 and 1000 companies to choose from. Boeing Aerospace is the top five employers in Orange County and is located in Anaheim and Huntington Beach respectively. Other notable manufacturing companies for employment opportunities are Western Digital in Lake Forest and Beckman Coulter in Fullerton. Some international companies call Orange County their regional headquarters like Mazda, Toshiba, Samsung, Kia Motors, Mitsubishi and Hyundai.

Another large employer in the county is Finance, Insurance and Real Estate. Ingram Micro and First American Corporation are located in Santa Ana and Pacific Life Insurance Company in Newport Beach. Pacific Life Insurance Company accounts for more than half of the 100 largest US companies as its clients. Construction jobs are also widely available with Standard Pacific located in Orange County, one of the nation’s largest and most successful homebuilding companies.

If your experience lies within the Information Technology sector, Orange County has quite a bit to choose from. This includes computer software, telecommunications, internet service, motion picture and publishing Broadcom, Epicor and Sun Healthcare are just a few of the employers in this sector that average between five and twenty million dollars annual. Epicor is a leader in retail software with more than 400 of the world’s leading retailers using Epicor’s award-winning software solutions. The Fashion sector in Orange County is headquarters for Wet Seal in Lake Forest, St. John’s, Quicksilver in Huntington Beach, Oakley in Irvine and Hurley in Costa Mesa.

Another sector is the Healthcare and Social assistance sector. Healthcare is important in Orange County with over 3 million residents. You’ll find Allergan and Edward Lifesciences in addition to all the hospitals, clinics and private practices.

Whether you want to change or advance your career, Orange County has plenty of opportunity. The county offers residents the ability to live and work in the city without having to leave the area or go very far. Your search for a job in Orange County is sure to be a success.

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Relocating to Temecula can be an exciting time. If you are relocating for a new job, then you can focus on finding a new home and learning about your new city. However, for those of you who have not found that perfect job, Temecula has a lot of opportunity for you to find a career that fits your experience and passion.

Temecula is most known for its wine country, affordable homes and Pechanga Resort and Casino. What many don’t know is that Temecula is home to some large biotech and biomedical companies. So, if your experience lies in this industry, then Temecula is the city for you.

This industry accounts as the largest employer in the city. These businesses have been attracted to Temecula for a number of reasons including a highly skilled labor force, top notch K-12 school system, close proximity to San Diego, Los Angeles, and Orange Counties, quality and affordable housing, and an exceptional quality of life.

Abbott Vascular is the largest corporate employer in the city. Recently, Abbott completed a renovation of their facilities with the addition of a 520,000 square foot parking structure. Abbott Vascular manufactures a wide assortment of products to treat cardiovascular disease and make the world’s best selling drug eluting coronary stent.

Professional Hospital Supply, also known as PHS, is one of the nation’s oldest regional suppliers of medical and surgical supplies and is expanding in Temecula. PHS’ hospital supply system streamlines the hospital supply process and distributes medical products to hospitals and alternative care facilities. PHS is currently constructing a large office and warehouse expansion of over 600,000 square feet in size.

Other biotech companies such as Millipore (biopharmaceutical manufacturing), Golden West Biologicals (distributor of essential raw materials), Isomedics (sterility industry leaders), Extrumed (custom thermoplastic), FFF Enterprises (biopharmaceuticals distributor), Generic Manufacturing Corp (surgical/medical instrument manufacturing), and SurgiCount Medical, Inc. (computer assisted safety-sponge system) have continued to grow and thrive in Temecula.

Retail establishments located in the Promenade Mall account for a large group of employers like Macy’s, J C Penny’s and Sears. The Promenade Mall recently expanded the complex by adding 126,000 sq. ft. expansion designed as an outdoor lifestyle center and added retailers like Pottery Barn, Williams-Sonoma, Coach, Coldwater Creek, and The Walking Company to the mall. Major restaurant chains such as PF Chang, Yard House and Lucille’s BBQ are some the new dining options available. Lowes, Home Depot, Target and Wal-Mart close out some of the major retail employers in the area.

Temecula job market is also Hospitality and Services driven with tourism as another resource of income for the city. Old Town, Pechanga Resort and Casino and Wine Country are just a few of the other major employers in Temecula.

Temecula offers residents the ability to live and work in the city without having to leave the area. Your search for a job in Temecula is sure to be a success.

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The city of Johns Creek is only 30 miles from downtown Atlanta and lies along the banks of the Chattahoochee River. Just far away from downtown, Johns Creek residents enjoy the best of both worlds with the closeness of the big city while enjoying life in a thriving community with picturesque surroundings.

Johns Creek is full of beautifully maintained golf communities where the game can be played throughout the year due to it’s moderate climate. The median home price is around $353,000 and there are a variety of homes to choose from single-family homes to beautiful custom homes in golf course communities. A family-oriented community, Johns Creek has some of the best schools in Fulton County. Johns Creek is known for their golf and tennis club communities. Many athletes and celebrities live in golf communities. Some of the best known in the area is The Atlanta Athletic Clus, ST. Ives, Rivermont and Country Club of the South.

If you enjoy the outdoors, the city has a large selection of recreational activities that include three parks as well as the Autrey Mill Nature Preserve & Heritage Center. The Chattahoochee River National Recreation Area offers opportunity for fishing, boating, or simply just to enjoy a picnic.

Although Atlanta is a short distance away, Johns Creek boasts a growing cultural scene with the Johns Creek Arts Center and the Johns Creek Symphony Orchestra. The city also offers a wide range of dining and shopping in the local area.

Local points of interest include the Chattahoochee River National Recreation Area, The Autry Mill Nature Preserve and Heritage Center and the Johns Creek Arts Center.

Johns Creek’s history is well-preserved in this city. When the first European settlers arrived in the New World, the Creek Indians roamed this area and lived in small villages. By 1755 the Cherokee Indians had pushed the Creek south of the Chattahoochee River and that landmark became the new border between the two tribes, making the land that is now Autry Mill at the extreme southern end of the Cherokee territory. In the 1830’s the Cherokees were forced from their land and traveled the “Trail of Tears” to Oklahoma. The Autry Mill Heritage Center preserves its early history and includes features displays of early American Indian Dwellings.

There are plenty of career opportunities in Johns Creek. The cities thriving business sector is home to more than 1,900 businesses including CIBA Vision Corporation, State Farm Insurance, Kroger Company, Whole Foods Markets, Publix, Emory Johns Creek Hospital, Federated Systems Group, Nordson Corporation and World Financial Group Insurance. The1900-acre, master-planned, multi use development, Technology Park/Johns Creek, is an international-award winner for being the best office and industrial project in the world.

The cities charm coupled with it’s quality of life, coveted real estate and affordable living, make Johns Creek an ideal community to call home.

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When you are in the market to buy or sell your home, you can’t be too careful about what brokerage or agent to hire to represent you. As your agent for real estate transactions, they are going to hold what is likely your largest financial investment in their hands. They will be the point of contact for exchanging information and negotiations on your behalf. You need for this person to be knowledgeable, professional, and dedicated. Their being an ethical and trustworthy individual wouldn’t hurt either.

In today’s society, all you need to do to search for a real estate agent is go to a search engine on the web and type in the area you are looking for (Encinitas, California for example) and the phrase real estate. Be very careful with this method. You are likely to run across any number of brokerages and agents willing to take your business. Just because they are willing to take it does not mean you should let them have it. Remember, you are the client, so I recommend interviewing a few before you settle on one. Make sure to choose one that has a solid grasp of your goals and that is a good fit with your personality.

I used this method myself prior to becoming a Realtor. I came across several websites and interviewed several brokerages in the Encinitas, California area. I won’t say who I went with, but I recommend checking out the Bell Realty Group if you are searching in that area.

As an agent myself, I have intimate knowledge of the various issues a real estate professional can be faced with. Many can be unforeseen. A good real estate agent will learn what I call the art of expectations. There are expectations that your clients have, expectations that you have for yourself and the transaction, and expectations you should have about what can (and usually does) go wrong. Whether it is a buyer who hits a financing snag in the eleventh hour, an inspection turning up some hidden defect, or a seller who suddenly decides they may not want to sell after all, there are ways to overcome any obstacle.

If you are a buyer without a home to sell, your trip on the real estate roller coaster may be a bit shorter than that of someone who has to sell a property also. These first-time homebuyers are usually renters somewhere and need only give a month or two of notice to their landlords.

If you have a home to sell and are in the market for another property, your task is a bit harder. In this case, you enter into the symphony of selling your home in a timely fashion, getting top dollar for it, finding another home you actually want to live in, negotiating an acceptable price for it, and having the closing for both take place in a fashion where your move out of one and into the other is as seamless as possible. For the sake of the argument, let’s leave temporary residential leases out of this discussion. Surely you can see where the service of a real estate professional can really come in handy in this case.

Then there are the clients that merely want to sell a property. Perhaps they don’t live nearby. Even if they don’t, I assure you that they could use representation, too. Whether you are a buyer or seller, or both, I wish you luck in your search.