Real Estate Information

Here is the updated list of NOD and foreclosure trust deed sales for Incline Village.  Remember, it is very difficult to pin down exact sale dates as they are postponed and removed as close as hours from the sale date and time.  Call me for details.

SOLD (Removed from list)

928 Wendy Lane – Country Club Ct. #1, APN 131-340-01, Rec. 8/27/10, Fremont Investment & Loan, 3110 E. Guasti Rd. #500, Ontario, CA 91761 – Sold for $250,000

810 Alder – Incline Manor #64, APN 132-030-64, Rec. 7/1310, Bank of New York, 4000 Horizon Way, Irvine, TX 75063 – Sold for $180,000

321 Ski Way– Mtn. Shadows #134, APN 126-142-16, Rec. 7/30/10, JPMorgan Chase Bank, 7255 Baymeadows Way, Mailstop: JAXB2007, Jacksonville, FL 32256 – Sold for $205,000

NEW NODs:

916 Harold – Cedarcrest #12, APN 131-140-12, TS#10-32371-EM-NV, NOD Rec. 8/30/10

824 Ellen Ct., APN 125-223-19, TS#141836NV, NOD Rec. 8/30/10

136 Juanita – Couer du Lac #4, APN 127-320-04, TS#NV-10-374180-AB, NOD Rec. 8/27/10

872 Tanager – Pinebrook #26, APN 132-570-09, TS#10-0104076, NOD Rec. 8/27/10

771 Randall, APN 125-253-07, TS#10-32338-WA-NV, NOD Rec. 8/26/10

738 Kelly, APN 124-031-19, TS#NV09004264-10-1, NOD Rec. 8/5/10

NEW NOTICES OFSALE:

391 Willow #4, APN 124-020-04, TS#10-31091-FF-NV, NOD Rec. 4/9/10 – TRUSTEES SALE SCHEDULED ON TUES.. 9/28/10 AT 11AM

118 Rubicon, APN 122-211-04, TS#09-0137100, NOD Rec. 9/14/09 – TRUSTEES SALE POSTPONED UNTIL THURS. 9/23/10 AT 11AM

1308 St. Gallen Ct. , APN 126-522-04, TS#38716, NOD Rec. 9/24//08 & 2/12/09– Bank & HOA – TRUSTEES SALE SCHEDULED ON WED. 9/29/10 AT 11AM

514 Gonowabie, Crystal Bay, APN 123-132-02, TS#GM-191334-C, NOD Rec. 2/10/09 – TRUSTEES SALE POSTPONED UNTIL THURS. 10/7/10 AT 11AM

“While recent data suggest a weakening outlook for U.S. growth, we still see a strong case for accelerating growth in 2011. Momentum should build over the remainder of 2010 as businesses respond to easier credit and rising profits. Profits are up 39% over the past year, the largest four-quarter rise since the mid-1970s. Financial firms led the initial move up in 2009, but gains this year have been concentrated among nonfinancials, which tend to have a bigger influence on business spending.” [Aaron Smith, Moody’s Economy.com]

 As I was preparing this week's national economic commentary, I began to feel the weight of the bad economic data on my chest. I have felt it necessary to deal with that bad news, of course, and to do so in such a way that my clients and readers don't think I'm trying to paint a happy face on seriously bad news. The existing home sales and new home sales reports were, of course, something of a disaster. Their severity can be explained in part by the confusing workings of the homebuyer tax credit programs' demise, but those programs skewed the numbers of sales beyond understanding--so they don't offer up a clear explanation of where we are right now.

I have written several times about the odd fact that very few businesses seem to be hard-pressed for money. If they were, there would be demand for lending, and it would be very difficult to keep rates as low as they are. Similarly, lenders have been rather comfortable in their "carry trades," borrowing short-term and low, and then investing the money in securities rather than in loans with even a little bit of risk. Sounds like a formula for going nowhere fast, and that is what it has been--and may continue to be for several more months. But as people see that there is more money to be made--including people who want to earn more money with which to pay down existing debt--the markets will come more alive.

This is not a foolproof prediction, of course. One of the specialties of this year's economy has been SURPRISE. But we've reached the point where recovery itself would be such a surprise that it would take us a long time to recognize it. Further, it's probably not going to look the way we expect recovery to look. It hasn't thus far.

In any case, we can hope--and we have reason to do so. We've seen recovery in the luxury home market, in certain areas like Inclin Village Nevada and the San Francisco Bay, in formerly comatose markets like Stockton (once the foreclosure capital of the nation), and rising median prices throughout California. Other states are likely to follow this lead--gradually...as California itself moves forward--gradually.

KEY INDICATORS

Gold $1250.20/ounce [up]

Crude Oil (Brent) $75.06/brl [up]

U.S. Dollar to…

    Euro .7912 [up slightly]

    Japanese Yen 84.14 [down]

6-mo Treasury Bill Yield 0.18%

10-yr Treasury Note Yield 2.48%

[6-month unchanged, 10-yr down 2 bps]

11^th Dist Cost of Funds 1.797%[+]

30-yr Fixed-rate Mortgage 4.78%

15-yr Fixed-rate Mortgage 4.24%

1-yr ARM 3.84%

[HSH averages rates: 30-yr

down 2 bps;15-yr down 4 bps; 1-yr ARM down 6 bps]

Mortgage Bankers Association Mortgage Applications Index

week ending 8/20

  Overall

    870.3 (up 4.9%; up 13%

the week prior)

  Purchase Money Loans

    170.5 (up 0.6%; down 3.4%

            the week prior)

  Refinancing Loans

    4944.7 (up 5.7%; up 17.1%

the week prior)

Jobless Claims 8/21

    473,000 – prior week 500,000 – continuing claims at 4.456 m

New Home Sales July

    Down 12.4% m/m – inventory rose to 9.1 months

Gross Domestic Product (GDP) second quarter revision

    Down from 2.4% to 1.6%

Consumer Confidence Aug

    Up from 51 to 53.5

Weekly Commentary

For the past year or more, there has been a nagging question that those offering up negative forecasts have failed to answer: How can the economy be on the edge of another swan dive into recession if most American companies have an unusually large amount of cash stowed in their bank accounts?

There’s a fairly obvious related question, though: Why aren’t American companies busily hiring up new workers when they have plenty of money with which to do so?

The answer to the second question, as we’ve recently seen, is that no one wants to lose money; therefore, until such time as demand for their goods and services looks like it will continue to grow in the future (and not sputter like a wickless candle, as it has seemed ready to do recently), companies can simply hold back on further hiring, comfortable enough because there is plenty of money in their coffers. And most companies have artfully met momentary increases in demand with their existing employees, sometimes abetted by the hiring of temporary workers.

But back to the first question: The inactivity in the markets—including the real estate market—has looked very much like a downward slide. Perhaps, instead, the economy has simply been stuck in the mud, like a bunch of little children standing at the edge of the lake waiting for someone to be the first to actually step into the water.

So instead of going proactive, hiring new workers, making new loans, and pushing the economy into second gear at last, everyone has been waiting. Notice, by the way, that it’s much easier and safer in an uncertain economy to borrow money at rock bottom short terms rates and then invest that money for a secure higher yield than it is to wade into the slightly riskier waters of loaning that money. That will very likely change relatively soon; banks need better yields than the “carry trade” now provides.

With an increasing ability to borrow at favorable terms, and with money already in the banks, businesses are in a position to grow—to hire, to invest, to market themselves aggressively. Before too many months pass, this should be far more obvious to the entire American marketplace, including the real estate marketplace.

Good, only one new NOD this week.  Been shifting my clients into motivated sellers that are not upside-down on their mortgage.  Seems that more of the NOD activity has been due to homeowners over-encumbering their home with debit vs the decline of value in Incline Village and Lake Tahoe.   Some of the loan amounts of these problem sales are pretty incredible.  The property was most likely never worth what they borrowed to begin with.  There are just some great listings on the market right now without the hassle of a short sale and even the uncertainty of a short sale escrow ever closing.  Call me for more information.  Tim Lampe, your Realtor for 28 years.

NOD's SOLD (Removed from list)

593 N. Dyer Circle, APN 124-082-21, TS#1262451-11, Rec. 8/16/10 - Sold for $539,476

801 Northwood – Incline Manor #21, APN 132-03-021, TS#15717NV, Rec. 8/25/10 – Sold for $160,000

449 Lakeshore (lot), APN 123-250-08, TS#09007287, NOD Rec. 8/4/10

866 Northwood – Northwood Estates #26, APN 124-340-26, TS#136442NV, Rec. 7/20/10 – Sold for $179,500

CANCELLATION OF DEFAULT (Removed from list)

383 Willow Ct. –Tahoe Pines #3, APN 124-390-03, TS#10-31911-LL-NV, Rec. 8/20/10

1311 Moritz Ct. APN 126-460-14, TS#10-0062271, Rec. 7/1/10

929 Southwood, Tahoe Sierra Pines #22, APN 127-500-03, TS#10-41584-AS-NV, Rec. 8/20/10

NEW REOS:

807 Alder- Woodstock #19, APN 132-043-02, Rec.  8/23/10 – Back to beneficiary, no recorded docs yet

730 Country Club Dr., APN 128-051-04, Rec. 8/20/10, JPMorgan/Chase Bank, 7255 Baymeadows Way, Jacksonville, FL 32256

939 Incline Way – McCloud #216, APN 127-077-14, Rec.8/10/10, Wells Fargo, Bank, 1610 E. St. Andrews Pl., Santa Ana, CA 92705

NEW NODS:

400 Fairview – Bitterbrush #155, APN 126-292-295, TS#1249277-11, NOD Rec. 11/10/09 & 8/23/10

NEW NOTICES OF SALE:

321 Ski Way– Mtn. Shadows #71, APN 126-110-13, TS#09-0173885, NOD Rec. 12/3/09 & 3/19/10 – TRUSTEES SALE POSTPONED UNTIL WED. 10/6/10 AT 11AM

989 Tahoe Blvd. – Tahoe Racquet Club #17, APN 127-363-25, TS#14682NV, NOD Rec. 3/4/10 – TRUSTEES SALE SCHEDULED ON THURS. 9/9/10 AT 11AM

872 Tanager – Pinebrook #40, APN 132-560-23, TS#10-0003933, NODs Rec. 1/21/10 & 2/18/10  – TRUSTEES SALE POSTPONED UNTIL FRI. 9/17 AT 11AM

929 Southwood – Pinewood #18, APN 127-490-03, TS#NV0957972-2, NODs Rec. 10/13/09 & 1/22/10 – TRUSTEES SALE POSTPONED UNTIL TUES. 10/26/10 AT 11AM

590 McDonald, APN 124-083-15, TS#09-47885-WF-NV, NOD Rec. 1/4/10 09 - TRUSTEES SALE POSTPONED UNTIL MON. 10/25/10 AT 11AM

929 Dorcey, APN 125-161-25, TS#1241431-11, NOD Rec. 9/24/09 – TRUSTEES SALE SCHEDULED ON TUES. 8/31/10 AT 11AM

1049 Tomahawk, APN 130-081-15, TS#NV-09-299746-CL, NOD Rec. 7/14/09 – TRUSTEES SALE POSTPONED UNTIL THURS. 9/3/10 AT 11AM

806 Geraldine, APN 125-233-06, TS#134134NV, NOD Rec. 4/27/09 –TRUSTEES SALE SCHEDULED FOR FRI. 9/17/10 AT 11AM

There is some interesting activity in the Incline Village disressted real eatate market.  1073 Sawmill Rd is in escrow, I know because it is my escrow.  Call me for more information.  Tim Lampe 775 745 9730

SOLD (Removed from list)

540 Gonowabie, Crystal Bay, APN 123-101-04, Rec. 8/18/10 – Sold for $1,900,000

NEW NODs:

730 Martis Peak, APN 122-191-12, TS#137869NV, NODs Rec. 11/2/09 & 8/17/10

1073 Sawmill, APN 130-162-17, TS#F514155NV & TS#10-66019-NV, NODs Rec. 6/29/10 & 8/17/10

559 Len Way

751 Tahoe – Toepa #19, APN 132-191-01, TS#141587NV, NOD Rec. 8/12/10

NEW NOTICES OF SALE:

321 Ski Way – Mtn. Shadows #71, APN 126-110-13, TS#09-0173885, NOD Rec. 12/3/09 & 3/19/10 –  TRUSTEES SALE POSTPONED UNTIL WED. 9/1/10 AT 11AM

831 Lakeshore, APN 122-181-55, TS#2010-12662, NOD Rec. 2/3/10 – TRUSTEES SALE SCHEDULED ON WED. 9/15/10 AT 11AM (previously removed due to cancellation)

517 Fairview, APN 131-211-17, TS#10-0012661, NOD Rec. 2/3/10 – TRUSTEES SALE SCHEDULED ON TUES. 9/14/10 AT 11AM

400 Fairview – Bitterbrush #120, APN 126-295-12, TS#09-0181759, NOD Rec. 12/23/09  – TRUSTEES SALE POSTPONED UNTIL THURS. 9/16/10 AT 11AM

730 Country Club Dr.

725 Fairview – Incline Pines #10, APN 126-302-16, TS#NV-09-280377-CL, NOD Rec. 5/8/09 – TRUSTEES SALE POSTPONED UNTIL THURS. 9/16/10 AT 11AM

837 Southwood – Creekside West #19, APN 127-120-19, TS#NV0955014-2, NOD Rec. 9/1/09 – TRUSTEES SALE SCHEDULED ON WED.10/13/10 AT 11AM

920 Wendy #1, APN 131-410-01, TS#136854NV, NOD Rec. 8/28/09 - TRUSTEES SALE ON 8/27/10 CANCELLED

, APN 128-051-04, TS#138620NV, NOD Rec. 12/24/09 - TRUSTEES SALE POSTPONED UNTIL FRI. 9/3/10 AT 11AM, APN 125-492-11, TS#10-0059740, NOD Rec. 8/16/10

Incline Village Bank Owned Condo Listings

Look at this inventory shrink.  There are some traditional sellers out there as well.  Call me for more information.  Tim Lampe 775 745 9730

Incline Village Bank Owned Homes

2 of the 4 Bank owned listings are new construction and are on my best buy list.  Call today for more information.  Tim Lampe, your Realtor by Choice for 28 years.  775 745 9730

The markets are somewhat becalmed. We had a bit more than a week of gloom among world investors and it, perhaps unsurprisingly, seems to be passing. So long as we don't run across a surprisingly negative economic indicator soon, the markets are likely to drift further, with interest rates remaining quite low.

This is generally unexciting news. It feels like the predicted "summer doldrums." More exciting, frankly, is the unbending light-at-the-end-of-the-tunnel forecast still being issued by Michael Zoller and Moody's Economy.com. This continues to be worthy of notice.  (Quote is at the bottom of this post)

So maybe it's time for a late summer vacation and an early start to personal marketing for the rising market as we move into 2011. I can live with that.

Tim Lampe, Your Realtor by Choice for 28 Years.

KEY INDICATORS [8/25/10]

Gold $1227.20/ounce [up]

Crude Oil (Brent) $77.37/brl [down]

U.S. Dollar to…

    Euro .7792 [up]

    Japanese Yen 85.56 [down]

6-mo Treasury Bill Yield 0.18%

10-yr Treasury Note Yield 2.65%

[6-month unchanged, 10-yr down 18 bps]

11^th Dist Cost of Funds 1.797%[+]

30-yr Fixed-rate Mortgage 4.79%

15-yr Fixed-rate Mortgage 4.26%

1-yr ARM 3.80%

[HSH averages rates: 30-yr

down 8 bps;15-yr down 8 bps; 1-yr ARM down 5 bps]

Mortgage Bankers Association Mortgage Applications Index

week ending 8/6

  Overall

    734.3 (up 0.6%; up 1.3%

the week prior)

  Purchase Money Loans

    175.4 (up 0.3%; up 1.5%

            the week prior)

  Refinancing Loans

    3993.0 (up 0.5%; up 1.3%

the week prior)

Jobless Claims 8/7

    484,000 – prior week 479,000 – continuing claims at 4.452 m

Retail Sales July

    Up 0.4% total – excluding auto sales, up 0.2%

National Association of Home Builders Market Index August

    Down 7.1%

Housing Starts July

    Up 1.7% - SFRs down 4.2% -

Permits also down

Weekly Commentary

“By 2011, it is expected that the national economy will have reached a point of self-sustaining growth, which will foster a stronger rebound. An end to house price declines in early 2011 will eliminate the final constraint on housing demand, and existing-home sales will take off.” [Michael Zoller, Moody’s Economy.com]

Zoller’s (Moody’s Economy.com) forecast has not changed for several months and, indeed, it has had little reason to do so. Moody’s/Zoller predicted the current slowdown well before it arrived, cautioned against getting overly gloomy about it, and suggested the economy (and, in particular, the real estate market) would remain slow into 2011. Then, the economy becomes “self-sustaining” and “existing-home sales will take off.”

The summary statement is simple: Be patient. Easy for Zoller to say, perhaps, but tough to put into practice!

In any case, in the midst of today’s prevailing gloom, it seems a good time to look at what some of our indicators are telling us about current investor sentiment. Let’s take it from the top of the list.

Gold. You’ve most likely noticed that gold, over the past couple of weeks, has moved back above $1220 an ounce. This remarkably high price for a relatively small amount of metal has been achieved because gold is considered, especially by investors in very traditional markets like the Far East, the safest  and most widely accepted form in which to hold your wealth. Gold is the wealth preserver, for most investors. And when they become worried about the security of a currency—the dollar, yen or euro, for example—they tend to rush to gold, and the resulting increased demand for gold pushes up the price of the metal, which is precisely what has been happening recently.

It’s worth noting, too, that investors have been putting their money into Treasury securities, which are considered the safest interest-bearing investment, since they are backed by the full faith and credit of the United States Treasury. A little more worrisome has been the shifting value of the U.S. dollar, especially against the euro. If global investors lose confidence in the U.S. economic recovery while retaining confidence in the European Union’s ability to ward off debt problems, the euro’s value will rise against the dollar—even if Treasury securities remain strong–as has recently been the case.

FHA RELAXES LENDING GUIDELINES

Tim Lampe, Incline Village, Nevda Realtor  

There seems to be some confusion among many agents (and loan officers) about the maximum debt ratios that FHA is approving.   Currently most investors are still imposing hard "Debt To Income" (DTI) ceilings on FHA borrowers, that were in place 2 years ago (when the market was a mess) and have fallen into a "comfort zone" for underwriting loans.: 45% as the recommended max DTI, with the absolute "drop dead" being 50%.
Because FHA does not impose a "hard ceiling" for debt ratios this is now rapidly changing.   Now new investors are aggressively entering the market place and competing for a bigger a share of the FHA pie.

These new investors are basing their approvals up to 55% DTI. If FHA agrees to buy the loan there is no risk to the investor. The loan is insured by a hefty PMI (aka" MIP") upfront premium of 2.25% and a monthly premium of .55%.
It takes just 30 minutes to determine if FHA will approve your buyer by analyzing the borrower's information thru FHA's "DU" ("desktop underwriting") program. If the loan is approved, the borrower can buy the home....and you earn your commission!
Here (in order) are the factors FHA considers when "expanding the debt ratios" in a typical transaction:
1) Down Payment: Typically borrowers get in for the minimum 3.5 % down payment. If your borrower is putting down 10% (or more), you are well on your way to a commission check.
2) Liquid Reserves: A borrower may put down only 3.5% but if they have liquid reserves (401k, IRA, savings, etc.) the investor looks very favorably upon that borrower.
3) Credit History: If your borrower has over a 720 (median) FICO score, FHA sees the file VERY favorably (the average FHA borrower has a 660 median FICO score).
4) Length of time on a job and source of borrower's income: For example if your borrower has bonus / overtime/ commissions or a second job, there must be a two year history. If any of these incomes are in "decline" your borrower is in trouble.
Once a borrower's information is "analyzed " thru underwriting program, the results come back as one of the following:

a) Accepted/Eligible
b) Refer Eligible
c) Approved Ineligible
d) Refer Ineligible (i.e. Declined)

A1: The status: "Accepted/Eligible" is obvious. "Pass Go" and collect your commission check.

A 2: The status: "Refer/Eligible" is a little more nuanced. This is where the experience of your loan officer and the relationship with the borrower is critical.

For all practical purposes, "refer" means referred to the underwriter (U/Ws) who, based on vast their experience, makes a judgment call if the borrower is able to maintain the loan payments. In other words "underwriters" are the "Gatekeepers of your Commissions" and should be treated that way.  
When dealing with U/Ws the loan officer must be patient and thorough BEFORE submitting the package to the investor.   The more issues left unaddressed (credit/debt/income) before the file is submitted will increase the chance the loan is declined.   Like parents, it's always easier to say "no" than "yes".
A3: Approved/ Ineligible: This means your borrower is VERY marginal and does not fit into the program that they were submitted into.   Most commonly the borrower's debt ratios are too high for a fixed rate loan and needs to be resubmitted to a lower adjustable rate program.   Or perhaps the borrower needs to pay off debts or have a larger down payment. In any case, the deal may be salvageable.

A4: Refer/Ineligible: The deal is dead. In fact the application should never have been originated. The loan agent has just wasted your time, soured your client's confidence in you and cost you referrals.

The latest Incline Village/Crystal Bay Notice of Default, and Bank Foreclosure list is attached.  These are the new changes:  Notables:  855 College sold for $1,415,000.  This was a new construction home that most likely cost the builder more in sicks and bricks.  The buyer got the lot for free..!!!  You should look closely at 225 Pine Cone Rd.  This is a well located home in the Millcreek subdivision.

Tim Lampe, your Realtor by Choice for 28 years.

SOLD (Removed from list)

855 College, APN 124-082-18, Rec. 8/9/10, California Bank & Trust/Vineyard Bank NA, 1900 Main St., Ste. 145, Irvine, CA 92614 – Sold for $1,415,000

872 Tanager – Pinebrook #30, APN 132-570-13, TS#1259497-11, Rec. 8/9/10 – Sold for $98,000

1457 Glarus, APN 126-550-04, Rec. 4/22/10, Frontline Trust, 9850 S. Maryland Pkwy, A-5156, Las Vegas, NV 89183 – Sold for $250,000

807 Alder Ave. - Woodstock #27, APN 132-043-06, Rec. 8/6/10, US National Bank c/o 400 Countrywide Way, Simi Valley, CA 93065 – Sold for $155,000

NEW REO:

290 Deer Ct., APN 127-570-07, Rec. 8/9/10, Bank of America, 475 Crosspoint Pkwy, Getzville, NY 14068

NEW NODs:

1047 Warbonnet, APN 130-083-10, TS#20100159902932, NOD Rec. 8/10/10

867 Jennifer, APN 125-242-01, TS#07-SF-98781, NOD Rec. 8/9/10

522 McDonald, APN 124-072-08, TS#NV09004384-10-1, NOD Rec. 8/9/10

NEW NOTICES OF SALE:

872 Tanager – Pinebrook #40, APN 132-560-23, TS#10-0003933, NODs Rec. 1/21/10 & 2/18/10  – TRUSTEES SALE POSTPONED UNTIL THURS. 9/2/10 AT 11AM BY BANK AND SCHEDULED ON MON. 8/23/10 AT 1PM BY HOA

929 Southwood – Pinewood #18, APN 127-490-03, TS#NV0957972-2, NODs Rec. 10/13/09 & 1/22/10 – TRUSTEES SALE POSTPONED UNTIL THURS. 8/26/10 AT 11AM

730 Country Club Dr., APN 128-051-04, TS#138620NV, NOD Rec. 12/24/09 - TRUSTEES SALE SCHEDULED ON MON. 8/16/10 AT 11AM  (This was previously marked postponed, but I can’t find any record of the new date now, sorry.)

1013 Galaxy, APN 125-411-20, TS#0934445FFNV, NOD Rec. 9/22/09 – TRUSTEES SALE POSTPONED UNTIL WED. 9/15/10 AT 11AM

862 Jeffrey, APN 125-244-04, TS#0946425WFRNV, NOD Rec. 9/21/09 – TRUSTEES SALE SCHEDULED FOR TUES. 10/12/10 AT 11AM

118 Rubicon, APN 122-211-04, TS#09-0137100, NOD Rec. 9/14/09 – TRUSTEES SALE SCHEDULED FOR TUES. 9/7/10 AT 11AM

837 Southwood – Creekside West #19, APN 127-120-19, TS#NV0955014-2, NOD Rec. 9/1/09 – TRUSTEES SALE CANCELLED ON 8/12/10

803 Jennifer, APN 125-192-12, TS#09-45219-WFR-NV, NOD Rec. 7/15/09 – TRUSTEES SALE POSTPONED UNTIL WED. 9/15/10 AT 11AM

725 Fairview – Incline Pines #10, APN 126-302-16, TS#NV-09-280377-CL, NOD Rec. 5/8/09 – TRUSTEES SALE POSTPONED UNTIL MON. 8/16/10 AT 11AM

225 Pinecone, APN 130-203-29, TS#133971NV, NOD Rec. 4/24/09 - TRUSTEES SALE POSTPONED UNTIL FRI. 10/15/10 AT 11AM

514 Gonowabie, Crystal Bay, APN 123-132-02, TS#GM-191334-C, NOD Rec. 2/10/09 – TRUSTEES SALE POSTPONED UNTIL TUES. 9/7/10 AT 11AM

820 Oriole – Royal Pines #56, APN 132-252-33, TS#09-30336-FF-NV, NOD Rec. 1/8/09 & 1/21/09 –– TRUSTEES SALE POSTPONED UNTIL TUES. 9/7/10 AT 11AM