Ray SharmaMCRETM, MICPTM

Broker510-728-7653

DRE#01255064

RICHMOND - This home has 1132 Sq. Ft. of liv-ing space and a spaceous yard. It has threebedrooms and two bath wi th n ice darkhardwood floors. The kitchen and one bathare semi updated. With a little TLC you canmake this home shine. This is a short sale.

MILL VALLEY - Charming home with plenty ofroom. 4 Bedrooms, 2 bathrooms, gal le rykitchen. Gas range and door that leads tothe front deck. Beautiful hardwood floor inthe living/dining room, view deck just off thismain area. The main level has one bedroomand one bathroom.

Bay Realtor Group

www.BayRealtor.com

“Your Bridge to Home Ownership”Residential & Commercial

Call for a FREE Market Analysis Today!

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RICHMOND

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MILL VALLEY

(510) 444-7653 (SOLD) Email: Info@BayRealtor.com

Subhash AroraRealtor®

510-701-1007

Georgina ChavezRealtor®

510-579-2790

Rebecca RookRealtor®

925-549-0314

BERKELEY - This home offers two bedrooms,one bath, and a large family room. Greatlocation close to shops and U.C. Berkeley.

RICHMOND - Wonderful country club homebacks to the golf course. Great floor planoffers 2 master bedroom suites-one on mainfloor & another on top floor for ultimate pri-vacy. Large separate bonus room & outdoorpatio off the kitchen. 2 car garage, upgrad-ed kitchen & bath. Shows great throughout!!A must see!

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BERKELEY

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RICHMOND

EL SOBRANTE - Spacious home with over 3200 SF of living space in a desirable gated commu-nity of El Sobrante! Large lot with VIEWS from both floors! 5 bedrooms, 3 baths with 1 bedroomand a full bath downstairs. Gourmet kitchen with double oven and granite counters, largefamily room with fireplace. Master bathroom with large master bath and walk in closet.

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COVER HOME

Text any ofthe "T Codes"

at the topof the photos to

phone number "85377"for instant viewing

on your mobile phone.

RICHMOND - Wow! 4 Bedrooms/2Baths and 1,120 Sq. Ft. Priced at only$99,950! For more details, please visitwww.atmhousesforsale.com

SUISUN CITY - Beautiful 2,376 Sq. Ft.Peterson Ranch, 4 Bedroom/4 Bath,and bonus room. Listing Price$258,950.

RICHMOND - 3 Bedroom/2.5 Bath Over1400 Sq. Ft. Lovely home. Call for detailsor visit www.atmhousesforsale.com.$279,000.

VALLEJO - 3 Bedroom/2.5 Bath 2,083Sq. Ft. 2 Car Garage, Fireplace. Asking$99,950. Call for details or visitwww.atmhousesforsale.com.

SAN PABLO - 3 Bedroom/1 Bath, 956Sq. Ft. AMAZING LOW PRICE OF$79,950.

VACAVILLE -3 Bedroom/2.5Bath, 2,080Sq. Ft. Asking$279,950.Spaciousnewer home.Must see!Call for moredetails!

RICHMOND

SUISUN CITY

VALLEJOELK GROVE

RICHMOND

VALLEJO SAN PABLO

STOCKTON

VALLEJO

#01396504

Visit:

www.atmhousesforsale.com

How to “Short Sale” Your Home!Inside Secrets

5-Indispensable Tips To Help You Sell

VALLEJO - Gorgeous Detached Housein a nice neighborhood. 3 Bedroom/2Bath (1 Master suite), $157,950. Callfor details!

ELK GROVE - WHY RENT WHEN YOUCAN BUY? Are you paying $1,000 amonth or more for rent? 3 Bedroom/2Bath, Corner Lot. $182,000.

VACAVILLE

STOCKTON - 3 Bedroom/2 Bath, 1,788Sq. Ft. Lot. 7,750 Sq. Ft. Asking$119,950.

VALLEJO - Huge 4 Bedroom/2.5 Bath.Approximately 2500+ Sq. Ft.$259,995.

VALLEJO - 3 Bedroom/2.5 Bath, 2,000Sq. Ft. 3-Car Garage. $279,950.

VALLEJO

#01396504

Visit:

www.atmhousesforsale.com

Upside Down & UnderwaterYou Have Power Choices

3-Big Questions To Expect From YourLender Before You Sell

FAIRFIELD

PATTERSON

BENICIA

VALLEJO - 4 Bedroom/3 Bath, 1,684Sq. Ft. List price $164,950. Great neigh-borhood! Call for details or visitwww.atmhousesforsale.com.

ELK GROVE

VALLEJO

FAIRFIELDPINOLE

VALLEJOPINOLE

PINOLE - 2 Bedroom/1.5 Bath, 1,200Sq. Ft. Asking $149,950. Call fordetails.

ESPARTO - Very Spacious, Gorgeous 4Bedroom/ 3 Bath Home, 2,550 sq. ft.$169,950 Listing Price.

ESPARTO

ELK GROVE - HOT OFF THE PRESS!This home is looking for a new family.3 Bedroom/2 Bath. 1,756 Sq. Ft. AskingOnly $208,950.

FAIRFIELD - Beautiful home with nicetouches. 3 Bedroom/2 Bath. Asking$220,000.

PATTERSON - HUGE 5 Bedroom/3 BathHome with a low price of $195,999.3,000 Sq. Ft. Must see!

VALLEJO - 3 Bedroom/1 Bath, 2-CarGarage. $74,950. WILL NOT LAST ATTHIS PRICE!

FAIRFIELD - 3 Bedroom/2 Bath.Spacious home. $250,000 Call fordetails!

BENICIA - BEAUTIFUL 5 Bedroom/4Bath Home. 4,233 Sq. Ft. Asking only$499,950.

PINOLE - 3 Bedroom/2 Bath home.1,045 Sq. Ft. Charming home in a greatneighborhood. Asking $229,950.

RICHMOND -BEAUTIFUL 5BEDROOMHOME on a cul-de-sac location.3,048 Sq. Ft.Beautifully land-scaped front &back yard.Priced to sell at$299,950

RICHMOND

How to Become a $200KThe market of real estate is ever changing,volatile and evolving. As soon as you haveadjusted to your market niche the market ofreal estate has shifted. Thousands of veteranagents know you must be forward thinkingprofessionals to stay ahead of the competitivecurve. Real estate professionals must antici-pate change before change happens; proactiveinstead of reactive; advance with provenmethods and have a track record of success.

The career of real estate practitioners is alifestyle change. You have to make personalsacrifices and extreme changes to succeed inthe market today. So many new licensees enter into the business of real estatewith the same approach they use in their old job. This won’t work. Newagents try real estate and the business of real estate chews them up and spitsthem out, back into the world of a dead-end-job. To be the next level achieveryou can’t do what the majority of agents are doing. Why? Are they successful?Is what you’re doing today working for you? I have developed a robust sys-tem that’s called “The $200K Real Estate Agent.”

For over thirty (30) years and after spending hundreds of thousands of dollarson personal coaching; seminars; webinars; websites blogs; radio broadcasts;newspapers; billboards; real estate magazines; posters and flyers; postcards;letters; phone book yellow pages andbusiness cards; I’ve made most of themistakes for you - and yes, it wasexpensive. Discover the tried, testedand proven methods that may give youthe results you want for todays $200KReal Estate Agent. What you willreceive is a buffet of extreme testedstrategies and tactics, for example:

• How to Be the Next LevelAchiever -

Be smart from the start.

K Real Estate Agent• Magic Words You Should Never Use InYour Listing Appointment

• Cutting Questions and New Answers -Striking open dialogue.

• How to be At the Top of Your Game -Can you obtain 100 listings in 12 months?

• The Five Most Deadly Mistakes to Avoid InYour Appointment -

These five (5) items can literally destroy yourcareer. You want to avoid and stay away fromthem and like so many new license agents theyrepeat them and they never work.

Is there a blueprint for real estate success? I don’t know. How are things workingfor you now? Why do some agents have success and others don’t? Would yourather do five strategies that bring powerful results, or, try hundreds of differentconcepts and get nothing in return but more stress and disappointment? Is theremagic in the bottle and can you sell it?

Look, you’re not just different, you’re the difference maker! The $200K RealEstate Agent may give you, new confidence and new strength. You should cele-brate that thousands of practioners may wish they were just like you. Believe inyourself. Trust your gut. Follow Your Efforts and you shallachieve your dreams. Convey that you are in charge ofeverything you say and everything you do.Know this: There are none like you! Takemassive and extreme action. Try everytechnique in the $200K Real Estate Agent.Treasure the moment -

Now go out there and get something done!

Bob Robinson, BrokerATM Real Estate, Inc.510.222.6023

#01396504

CES Premier Real Estate Services, Inc.2586 Appian Way, Pinole CA 94564

(510) 851-5248

Your Christian RealtorI am here to help you

make the right decision regarding your home.My goal is to give you all the information

you need to make the best choice.My Integrity is My Greatest Asset!

• Probate Sale• Real Estate Services• First Time Home Buyer Assistance• Distressed Home Owner Assistance• HAFA Specialist

Apart From God I Can Do Nothing,But With God All Things Are Possible!

Charlotte E. SaulterBroker/Owner

BBiinngg PPiieerrccee510-757-5379 510-662-8478

Sellers, Buyers“Let’s make a deal”

For Quick Sincere DedicatedServices Call Me Now!! Llameme!

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EL CERRITO-PANORAMIC BAY VIEWS: Affordable 2 houses on one lot. 1st house 3 bedroom, 1 bath approx.900 sqft, like new currently rented out, 2nd house newly built, 2 story approx. 3400sqft. 4 bedroom /3bath, 2car attached garage, hardwood floors, custom built with huge kitchen island with granite counters, Vaulted ceil-ings, chandeliers, fireplace in living room and master bedroom, master bath with shower jets and Whirlpool tub& much more. Call Bing for more info.

T377835

VIEW FROM

THE HOUSE!

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HERCULES PRIME AREA ~ Beautiful 2 story, 4 bedrooms, 3 baths, 2 car garage attached,approx 2757sq ft in the upper Turquoise drive, huge low cemented backyard overlooking thebreathtaking Bay views, vaulted ceiling, recessed lights, custom window coverings, well lighted!A must see. Call Bing today!

AFFORDABLE ~ 2 Bedroom 1 Bath in a quietneighborhood. 2 Car Detached garage, woodfloors, near San Pablo Casino PLUS E-Z free-way access. Call Bing now for a showing.

HERCULES ~ 2 story condo: Beautiful wellmaintained..clean 2 story, 2 bedrooms,1.5bath 1 car garage attached in a nice quietconvenient, clean and well maintained. PlusE-Z access. Call Bing for details!

HERCULES ~ Panoramic View: 5 bedrooms,3 full bath, 3 car garage in a nice quiet conve-nient location, vaulted ceilings, well main-tained, low maintenance concrete backyardwith fruit trees, and appealing greens andplantscaping, near schools, approx. 2,520 sfft living space, approx 7,000 sq ft lot.

FAIRFIELD ~ Beautiful like new home onestory home. Three bedrooms plus den con-nected to additional bedroom. 2.5 Bathroomsand 3 car attached garage. In a nice, quiet,convenient location. Lots of upgrades, hard-wood floors, island in kitchen and well main-tained. Huge backyard with a gazebo and lotsof fruit trees. A MUST see!

HERCULES ~ Completely remodeled.Spacious 4 bdrms, 2 remodeled bthrms,approx 1700 sqft, remodeled kit w/new gran-ite counter tops, new fl coverings, new doors,freshly painted, off-street parking, huge land-scaped yard with garden (approx 11,600sqft), front & back yard open up to openspace w/views of Rolling Hills.

GOOD INCOME OPPORTUNITY, mixed usecommercial property. 1st floor 2500 squarefeet, concrete and block grocery and meatshop. On the 2nd floor 2300 sqft, 4 bedroom2.5 baths, wood frame residence, totalsquare footage 4800. Great location andgood traffic. Call Bing for more details.

EL SOBRANTE ~ 4 Bedroom/2 Bath home ina quiet cul-de-sac location. Home featuressharp, gleaming refinished hardwood floors,remodeled kitchen and bathrooms. Kitchenoffers granite counter tops and new appli-ances. Freshly painted inside and out! 2 carattached garage. Convenient location!

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JOHN P. ANDERSONBrokerLIC#00909839

(510) 222-0633Results Realtyresults@johnpanderson.com | www.johnpanderson.com

3023 HOWARD STREET,RICHMOND

Super 2+ bedroom 2 bath homeand features a bonus room

that could be 3rd bedroom or office.

Features ~parquet floors, dining area,

2 car garage,low maintenance yard

and french doors to lush creek side backyard.

Excellent neighborhood,near shopping and transportation.

Only $139,000!

For the Smartest Move You'll Ever Make...Call Today!

1stChoice

Mortgage & Real Estate Services

1stChoiceMortgage & Real Estate Services3150 Hilltop Mall Road, Rajinder Chahal#50 Richmond, CA Broker/Owner510-222-3301 Office 510-323-6717 CellDRE# 01402761 chahal209@yahoo.comNMLS# 245066

Rajinder ChahalBroker/Owner

SHORT SALE SPECIALIST

You Can Buy Your Home Today!Stop Renting & Own!

Take Advantage ofLow Interest Rates & 1% Down Payment

One Stop ShoppingLoans & Real Estate

Call 1st Choice Mortgage& Real Estate Services

Call for an appointment or come by our office today

Milt Winfrey916-397-3479

Maria Benavides916-947-6955

Brad Kempster510-386-3414

Charlotte E. SaulterBroker/Owner, CSSA1-877-237-1777

EXT 102

Jeff Roach510-396-0690

Victor Ventanilla510-253-6988

Stacy Ardent925-525-2663

Maria Toleran925-550-5915

Cesar Angel707-246-6995

Denise Cordero707-297-0172

Cynthia Espinosa916-549-4518

Khafra Omrazeti916-719-9065

Sharon Stokes510-576-9876

Julie C. Fox707-712-1037

Javier Bahamonde925-639-3651

LaQuita Johnson510-967-5493

Edna Jamison707-246-0527

Mark Newman510-964-7719

Remy Kajopaiye510-384-1172

May Maxwell925-586-1945

Lou Colinari510-501-8547

Yvette Thomas707-563-7637

Vrinda Koovakat510-367-1854

Shadeed Salim510-847-7704

VISIT OUR SALES OFFICES

www.cheapbankdeals.com

Pittsburg Office1317 Buchanan Road,

925-432-3600

Pinole Office1566 Fitzgerald Dr,

510-223-2636

Sacramento Office1530 16th Street, - 916-760-7061

West Contra Costa and Alameda County Agents

West Contra Costa andAlameda County Agents

East CountryCosta County Agents

East Country Costa County Agents

Lynell B. Josey925-518-5244

Solano County Agents

Solano CountyAgents

SacromentoCounty Agents

Jermaine Shepphard415-797-0034

Call for an appointment or come by our office today

VISIT OUR SALES OFFICES

www.cheapbankdeals.com

Pittsburg Office1317 Buchanan Road,

925-432-3600

Pinole Office1566 Fitzgerald Dr,

510-223-2636

Sacramento Office1530 16th Street,916-760-7061

PINOLE - Very clean 1 Bedroom/1 Bathroomcondo. Fireplace, enclosed patio and in-unitlaundry. Move in ready! Light & bright, uppercorner unit. $83,000 MLS/ID:40596437

AMERICAN CANYON - Cute 2 Bedroom/2 Bathhome located in a nice community. 1,056 Sq.Ft. Spacious and airy with lots of natural lightand laminate flooring throughout. This homewill not last! $139,900 MLS/ID:21226751

HERCULES - WILL NOT LAST! Upper levelcondo in quiet Glenwood subdivision. Condooffers 1 Bedroom/1 Bathroom, with a loft whichcan be used for extra space or an office/den.Property has an open floorplan and offers goodnatural light. Fresh interior paint and new carpetmake this unit a winner! $79,900MLS/ID:40595046

MARTINEZ - Charming 2 Bedroom/1 Bathhome with bonus room! Dining room boasts abuilt-in hutch, perfect for displaying col-lectibles. Bathroom has been updated and fea-tures tile floors! $192,900 MLS/ID:40591746

HERCULES - Great 3 Bedroom/2 Bath homewith 1,762 Sq. Ft. Nicely shaded by a big treein the front yard. Nice views of the rolling greenhills in the back no rear neighbors. Kitchen hasbeen remodeled to feature granite counters,updated appliances and light maple cabinetry.Must see! $323,400 MLS/ID:40590125

RICHMOND - 3 Bedroom/1 Bathroom with1,113 Sq. Ft. Property has been partially updat-ed, in need of some TLC. Hardwood floorsthroughout, kitchen has granite counter topsand maple cabinetry. Nice Back yard. $176,000MLS/ID:40601097

PINOLE - Cute 2 Bedroom/1.5 Bath town homewith new carpet and fresh interior paint! GreatPinole area. Easy commute, close to hwy,shopping & schools. $119,900MLS/ID:40596428

OAKLAND - Charming 2/2 with lots of charac-ter! Dining area, eat-in kitchen and woodendeck with hill views. Great yard with lush land-scape and fruit tree. Needs some TLC!!$210,000 MLS/ID:40597083

VACAVILLE - This 4 Bedroom/2.5 Bathroomhas it all! Formal dining area, separate familyand living rooms, and a lovely deck out back.Also features laminate flooring downstairs andnew carpet upstairs. Come take a look!$274,500 MLS/ID:21216101

PINOLE - Well-kept, 3 Bedroom/1 Bathroomhome with 931 Sq. Ft., in old town Pinole.Hardwood floors and brick fireplace w/ mantle.Updated baths with tile flooring. Kitchen fea-tures tile floor with decorative inlay, and newer,built-in oven. Spacious backyard with plenty ofroom to roam! $206,195 MLS/ID:40590001

BERKELEY - This lovely home has plenty ofcharacter and grandeur! 3 Bedrooms/1 Bathand 1,302 Sq. Ft. Living/Dining room look outto large deck with expansive views of the hills.This one has loads of potential...just needssome TLC. A must see!!$639,900MLS/ID:40598076

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PINOLE

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AMERICAN CANYON

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HERCULES

What could we sellyour home for?Call today for

a FREE Property Analysis!

YOUR HOME HERE!

LOWEST PRICED REO’S, FORECLOSURES!!!

Brad HartLicense #01261591

HUGE ANTIOCH, PITTSBURG HOMES From$85,000 Country kitchens, Open patio, LargeLandscaped Yards.

ADD A LITTLE SUGAR. Sweet El CerritoHomes from $179,000. Spacious FamilyRooms, Fireplace, Tree Lined Street.

STOP THE CAR! El Sobrante 3 bedroomsfrom $124,900. New Hardwood Floors, Bar,Deck, Hot Tubs.

ONE IS YOUR LUCKY NUMBER! 1 Bedroom,1 Bath, Stop Renting. Own Your Future Now.From $650.00 a Month.

NEED A MONEY MAKER? 4 Plexes, PositiveCash Flow, Bay Views Make Your FutureNow! From $190,000

HERCULES REO’s 4 Bedrooms From$199,000 Townhomes from $75,000 GreatLocation!

NORTH OAKLAND Temescal Properties from$199,000 Newly remodeled, Move in ready!

BERKELEY HOMES From $269,000 UCBerkeley condos from $219,000. Walk toCampus!

RICHMOND/SAN PABLO 3 Bedrooms from$125,000 Large Living Rooms, Yards andStorage.

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I have assisted 100's of renters become happy home owners!!Are you still renting? Can I Help You? Call 24hr for Free Info: 510-978-2384

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510-978-2384Huge New REO INVENTORY!

$99,000.00 .................................................................................. $649.00$150,000.00 ................................................................................. $949.00$190,000.00 ................................................................................. $1,049.00$250,000.00 ................................................................................. $1,249.00

CHECK OUT THESE SUPER LOW LOAN MONTHLIES*Loan Amount Payment P&I

*Rates and payment amounts subject to change

My specialty is helping renters become home owners

EL CERRITO

OAKLAND EL SOBRANTE

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ANTIOCH

INCOME PROPERTIES

ANTIOCH HERCULES

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OAKLAND

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NORTH OAKLANDRICHMOND

BERKELEY

OAKLAND

CallToday!

Won’tLast!

Text any of the "T Codes" at the top of the photos tophone number "85377" for instant viewing on your mobile phone.

Ray SharmaMCRETM, MICPTM

Broker

510-728-7653DRE#01255064

Call for a FREE Market Analysis Today!

Selling your homecan be a STRESSFUL

and PAINFUL experience!

BayRealtor has the Expertise,Experience and Tools to help

you every step of the way.

Home prices are upand there is a shortage of

available properties for sale.

What is YOUR home worth?

Bay Realtor Group

www.BayRealtor.com“Your Bridge to Home Ownership” • Residential & Commercial

(510) 444-7653 (SOLD) Email: Info@BayRealtor.com

BANK OWNED& REO PROPERTIES

AVAILABLE

To SearchAdditional Propertiesin the Entire Bay Area,Visit our homes at:

www.BayRealtor.com

ALBANY - Great Investment opportunity for a magnificentSolano Avenue retail building of +/- 1,404 square feet on alot of +/- 3,106 square feet. The property includes an adja-cent vacant lot with potential for parking. Property currentlyused as deli with long term lease. Freshly painted exterior,large glass front windows and high ceilings interior.A superbproperty inside and out.

RETAIL

ALBANY

SAN PABLO - Developers and Investors: A great opportunityto develop over 3 acres of prime property close to shoppingand I-80 & I-580 with great panoramic view of the bay.

COMMERCIAL LAND

SAN PABLO

BERKELEY- Commercial buildingfo r lease on Un ive r s i t y Ave .between 7th and 8th. Quick inand out onto the major freeway,walk ing dis tanced f rom BART,AC Transit, and Amtrak. Walkingdistance to the 4th street shop-ping area and Berkeley's devel-oping art and indust r ia l area.Great H igh T ra f f ic Locat ionalong the main link to UC Berke-ley.

LEASE

BERKELEY

EL CERRITO - Great CommercialReal Estate Investment Opportu-n i ty . S tore f ront bui ld ing on abusy street. Close to major shop-ping complex. Great desirablelocation.

STORE FRONT

EL CERRITO

Stay Calm - There’s a C21 agent in the house!

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