| Fact... The housing market is red hot in Southern California, mostly for bank owned properties. Fact... The United States House and Senate approved changes to the FHA insurance program. This will allow for much needed changes in the purchase, financing and refinancing of one to four residential housing. Fact... Home owners are are confused about the programs available to save their houses. Fact... Short sales take a life time to close if they do. Fact... Banks have written off billions lost in the month of September October, November and December 2007, and 2008 AND IN TO 2009, that will bring even more bank owned properties to the market now. Fact... Sellers are willing to pay closing costs as much as permitted by lenders, be sure to ask. Fact... Sellers are willing to sell with just about any loan program if you are approved. Fact... In Los Angeles County, in the low income neighborhoods 75% of all houses offered for sale are bank owned properties. FACT... Most home owners move to a different house every five years. OPINION... This is a bad time to buy real estate. FACT... Every day is a good day to buy real estate provided you have an agent with ethics, education, and dedication to accomplish your goals. OPINION... Someone bought a house and did not have a job, did not have credit and did not have money in the bank. FACT... You must have money in your savings accounts, have some credit and be working. OPINION... I was robbed of my deposit and they do not answer my phone calls. FACT ... Your money did not get stolen, it just went to his rightful owner based on the purchase agreement you signed. OPINION... I can not find my agent. FACT... Your agent is probably not licensed and as soon as something went wrong your agent disappeared. OPINION... Owning a house is just a saying, the bank owns it. FACT... When you buy a house you are the rightful owner, not the bank and your house is the most important asset you will have. OPINION... The prices of houses are going down so I am going to wait to buy mine. FACT... Recent closed sales in an area determine the base price and I think the base has been set in most areas. |


| 4 bdrm IN CORONA |
| ESQUINTLA, GUATEMALA |
| 562.714.5328 rafael@friasrealestate.com CA DRE LICENSE NO.:01164432 |
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| All our listings can be found in the (MLS) multiple listing service and offer competitive compensation to cooperating brokers |

| Should you be interested in complementing your income or going in a whole new direction in your life, the time is now, call us and we will help you get started in to something bigger and better. If you like earning money by working hard, this is for you. If you enjoy the satisfaction of changing the life of others for the better, this is for you. If you enjoy helping people, real estate is for you. Follow your dreams. |
| In most zip codes in Los Angeles County, things are changing, there are residential properties being sold and actually closing in the last month 2 months. this is an indication that the market is starting to move, slow, but never the less moving and that is good news for many people that may be listening. This is not what the general public is being bombarded with every day on the the news and that will just prolong the misery. "every action has a reaction" and it is important that the right actions are taken. |











| 4 UNITS IN LYNWOOD |
| 6 UNITS IN LOS ANGELES |
| 2 UNITS IN BELL GARDENS |
| 2 UNITS ON EAST LOS ANGELES |
| ESQUINTLA, GUATEMALA |
| GUATEMALA, CA |
| GUATEMALA, CA |
| HUNTINGTON PARK,CA |
| 2 UNITS IN LOS ANGELES |
| CORONA, CA |
| BEAUTY SUPPLY IN LOS ANGELES |