Sammamish Real Estate – Sammamish WA Homes For Sale #homepath #mortgage #financing


#sammamish mortgage

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Sammamish WA Real Estate

Why use Zillow?

Zillow helps you find the newest Sammamish real estate listings. By analyzing information on thousands of single family homes for sale in Sammamish, Washington and across the United States, we calculate home values (Zestimates) and the Zillow Home Value Price Index for Sammamish proper, its neighborhoods, and surrounding areas. There are currently 203 for sale listings in King County WA zip codes. including condos. bank owned homes. short sales. townhomes. duplexes. land and luxury listings. If you’re looking to rent in Sammamish WA. check out our extensive list of luxury apartments and townhomes. We make it easy to find your dream home by filtering home types, price, and size. Filtering with keyword search is also possible, like “waterfront” or “Large bonus room upstairs ” homes in Sammamish.

Cities Near Sammamish

ZIPs Near Sammamish

Disclaimer: School attendance zone boundaries are supplied by Maponics and are subject to change. Check with the applicable school district prior to making a decision based on these boundaries.


Commercial Properties – Real Estate For Sale or lease from Coldwell Banker Commercial #mortgage #closing


#coldwell banker mortgage

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The CRE industry has benefited greatly in recent years from the work of tech startups that focus on supporting it. Industry professionals are more efficient, informed, and better able to recognize and act on opportunity than ever, thanks to CRE platforms and apps.

Coldwell Banker Commercial is honored to have a large team of affiliates representing the CBC name all across the nation. Whether helping their clients with their commercial real estate needs or sharing hyper local information on their specialized areas of service, these Coldwell Banker Commercial firms are making a splash on social media and bringing the best of commercial real estate news to their spheres.

College towns are a breed apart, and they can present unique investment opportunities when some key factors are aligned. In some of these markets, rental yields can be as high as 14%, so they re a smart choice for investors. The demographics in a college town help create this favorable environment for rental property. There are several major advantages to owning rental property in college towns.


Vanderbilt Foreclosures for Sale MI Vanderbilt Foreclosed Homes #second #mortgage #loans


#vanderbilt mortgage repos

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Vanderbilt Foreclosures for Sale, MI

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Bank Foreclosures Sale offers great opportunities to buy foreclosed homes in Vanderbilt, MI up to 60% below market value. Our up-to-date Vanderbilt foreclosure listings include different types of cheap homes for sale like: Vanderbilt bank owned foreclosures, pre-foreclosures, foreclosure auctions and government foreclosure homes in Vanderbilt, MI. Buy your dream home today through our listings of foreclosures in Vanderbilt, MI .

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HUCKLE BERRY TRL, Vanderbilt, MI, 49795

  • 3 Beds | 1 Bath | Built in 1960
  • BADGLEY RD, Vanderbilt, MI, 49795

  • 3 Beds | 2 Baths | Built in 1994
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    TOWNLINE RD, Cheboygan, MI, 49721

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    CEDARHURST DR, Cheboygan, MI, 49721

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    Search for Vanderbilt Bank Owned Homes Government Foreclosed Homes

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    Through our updated Vanderbilt REO property listings you will find many different styles of repossessed homes in Vanderbilt, MI. Find Vanderbilt condo foreclosures, single multifamily homes, residential commercial foreclosures, farms, mobiles, duplex triplex, and apartment foreclosures for sale in Vanderbilt, MI. Find the ideal bank foreclosure in Vanderbilt that fit your needs!

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    Useful Resources

    • Foreclosures Overview
    • Foreclosure Investment
    • Bank Owned Properties
    • Condo Foreclosures
    • Distressed Properties
    • Foreclosure Auctions
    • Repossessed Homes
    • Government Foreclosures
    • Tax Lien Foreclosures
    • Cheap Homes
    • Short Sales
    • Apartment Foreclosures
    • Commercial Foreclosures
    • VA Foreclosures
    • HUD Homes
    • Freddie Mac Homes
    • Fannie Mae Homes
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    * The likely starting bid for a given property auction, set by the seller at the time of listing. This value can be changed without further notice.


    For Sale By Owner Real Estate and Property in Canada – Sell Your House #second


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    We work for you.

    Your situation is unique and you are not just a number to us. We work with over 30 lenders and banks. Banks are limited to their own financial products and bankers work for banks – not for you. Allow us to show you a whole new world of competitive and flexible mortgage solutions. But don’t just take our word for it, hear directly from our customers.

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    2. You understand that PropertyGuys.com Mortgage and Mortgage Architects maintains its own file containing your personal information.

    3. Your file will be kept physically at the office of your independent mortgage planner PropertyGuys.com Mortgage until a loan/mortgage is funded, after which, it is scanned and sent to a Mortgage Architects corporate or licensed office for compliance review and then electronically stored on the secure Mortgage Architects computer systems. Your file will also be subject to the privacy policy of the lender that funds your mortgage review and storage, and electronically on Mortgage Architects computer systems. Your file will also be subject to the privacy policy of the lender that funds your mortgage.

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    It all starts with a conversation that on average takes only seven minutes. Take the call that could make you thousands of dollars when you sell. Request a call.

    With our pricing blueprint, you can more easily establish your asking price in a way that helps you make more money.
    Send me a sample blueprint.

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    Legal Disclaimers – PropertyGuys.com Inc. is a private sale marketing company and each PropertyGuys.com franchise is independently owned and operated (collectively “Us” or “We”). We are not real estate brokers nor agents. We represent neither the buyer nor the seller. We do not trade in real estate. We neither warranty nor make any representations as to the outcome of a property sale. REALTOR.CA , MLS . Multiple Listing Service and the associated design marks are certification marks and trade-marks owned by the Canadian Real Estate Association (“CREA”) and are used to identify certain real estate services provided by brokers and salespersons who are members of CREA. *Our PRO Approach may include services which are performed for our customers by third party service providers. Such services are not performed or provided by us. The brokerage programs described are available only through our partnership with friendly, progressive real estate brokerages that are members of the Canadian Real Estate Association. *”List Now. Pay Later.” (our Pay Nothing Upfront program) is a deferred payment program offered through a third party provider, and is only available in participating franchise areas. The program is offered on approved credit, certain conditions do apply. 2013 PropertyGuys.com Inc. All Rights Reserved

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    Seven minutes or less – that’s all the time it usually takes for us to explain how you can make more money and sell faster using PropertyGuys.com. So why not contact us today? After all, it very well could be the most rewarding seven minutes you’ll ever spend.

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    Short sale tax break on verge of being extended until 2017 #reverse #mortgage #lenders


    #mortgage relief act

    #

    Short sale tax break on verge of being extended until 2017

    Homeowners who had short sales in 2015 are about to get big break on their taxes, thanks for a massive federal spending bill that s about to be signed into law by President Obama.

    The Mortgage Debt Forgiveness Act was set to expire at the end of 2015, and without an extension, any mortgage forgiveness achieved in a short sale would have been counted as income for homeowners whom banks allowed to sell their homes for less than the amount of their mortgage during 2015.

    But an extension to the Mortgage Debt Forgiveness Act was included in the fiscal 2016 federal appropriations and tax relief bill, which passed both the House of Representatives and the Senate on Friday.

    The bill is now awaiting the signature of President Obama, who reportedly will sign the bill into law on Friday, meaning that borrowers who had short sales in 2015 are about to be able to breath a little easier.

    This is not the first year that the extension of the short sale tax break has come right down to the wire. Last year, President Obama signed the 2014 version of the short sale tax break on Dec. 29.

    But what s different in this year s version of the short sale tax break applies not only to short sales that took place in 2015, but it also extends the short sale tax break to cover any short sales that take place in 2016 as well.

    Previous extensions of the short sale tax break only covered short sales during the previous year, leaving many homeowners wondering if they were going to get stuck with a massive tax bill.

    While last year s short sale tax break was in Congressional limbo, a report from RealtyTrac estimated that in the first three quarters of 2014, there were more than 170,000 short sales representing a mortgage debt forgiveness of $8.1 billion total.

    The average short sale has a mortgage forgiveness of about $75,000, which if the tax break expired would be counted as income.

    RealtyTrac also estimated that the potential taxes on the average short sale to be $22,114, which would have brought the total tax liability to $2.7 billion.

    But that didn t happen last year, and it s now one step away from not happening in 2015 or 2016.

    This month in
    Housing Wire magazine

    The winners of our Insiders award are people who get things done, who are known throughout their companies as the “go-to” person in their department or division. They provide expertise in areas as diverse as operations, compliance and client services, but also have a reputation for going above and beyond their assigned roles to help out their colleagues, their companies and their clients.

    Feature

    In May of 2016 Airbnb had almost 1.4 listings on the site and raised its revenue projection for this year to more than $900 million. But the site impacts more than just hotel chains. As more investors, not just homeowners, use the site to rent out spare rooms — and even spare couches — it strains the supply of rental houses.

    Commentary

    A funny thing happened while the mortgage process became more automated. Rather than reduce human interaction, which some skeptics anticipated, automation technology is in fact having the opposite effect. It is enabling mortgage lending to become a people-first business once again.

    HousingWire.com

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    When Can I Get a Mortgage After Short Sale? #best #home #mortgage #lenders


    #can i get a home loan

    #

    When Can I Get a Mortgage After Short Sale?

    If you have lost your home through a short sale and want to get another mortgage loan, you may be wondering how long you’ll have to wait. Your credit will take a hit after a short sale, although possibly not as much as it would if you had lost your home through foreclosure. Nevertheless, a short sale will likely prevent you from getting another mortgage right away. The amount of time you must wait before applying for a new mortgage loan depends on the type of lender and your financial circumstances. Read on to learn more.

    (For more articles on rebuilding credit after foreclosure, visit our Improving Credit After Foreclosure and Bankruptcy topic area.)

    Getting an FHA Loan After a Short Sale

    The amount of time you must wait to obtain a new FHA mortgage varies, depending on your credit history and the reasons for the short sale.

    No Waiting Period

    You may not have to wait to apply for a FHA-insured mortgage loan following the short sale if:

    you were not in default on the prior mortgage at the time of the short sale, and

    you made all of your old mortgage and other installment debt payments on time for at least 12 months leading up to the short sale.

    Three Year Waiting Period

    If you were in default on the old mortgage loan at the time of the short sale, then you must wait at least three years before applying for another FHA loan. The three-year waiting period starts to run from:

    the date of the short sale, or

    if the prior mortgage was also an FHA-insured loan, from the date that FHA paid the claim on the short sale.

    Exceptions to the Three Year Waiting Period

    You may be able to qualify sooner than three years if you can show that extenuating circumstances caused the mortgage default. Extenuating circumstances might include:

    serious illness or death in the family, usually involving a primary wage earner

    divorce (in limited situations), or

    You must also show that you had good credit prior to the event that caused you to default on the old mortgage. That means you should make all of your debt payments on time following the short sale.

    When You Will Not Be Eligible for a New FHA Loan

    Notwithstanding whether or not you defaulted on the old mortgage loan, you are not eligible for a new FHA loan if you were using the short sale simply to take advantage of cheaper housing prices. That means you cannot use the short sale as a way to get rid your old house in a declining housing market and buy a comparable house for a lower price.

    Getting an Fannie Mae/Freddie Mac Loan After Short Sale

    Waiting periods for a Fannie Mae or Freddie Mac mortgage loan following a short sale vary, depending on the circumstances. It depends in large part on how much money you are able to put down as a down payment. Your waiting period will be:

    two years, if the maximum loan-to-value (LTV) ratio of the loan is 80%

    four years, if the maximum LTV is 90%

    In other words, you’ll have to make a 20% down payment to wait two years, 10% down payment to wait four years, or the minimum down payment if you wait seven years.

    Exceptions to the Normal Waiting Periods

    You may be able to shorten the waiting period to two years for a Fannie or Freddie loan if you can also meet the following requirements:

    prove in writing that the short sale was the result of extenuating circumstances, and

    the maximum loan-to-value (LTV) ratio of the new mortgage is 90%.

    Also, the seven-year waiting period only applies to conventional loans that are sold to Fannie Mae or Freddie Mac. This rule does not apply to Fannie or Freddie loans that are FHA-insured.

    Conventional, Private Lenders

    For most other types of lenders, the waiting periods can vary. Most lenders tend to follow Fannie Mae’s guidelines for post-short sale mortgages. Other lenders may shorten the post-short sale waiting period, provided that you make a larger down payment (sometimes 25% or more) and agree to a higher interest rate. You will also need to have good credit.

    Your FICO Score

    Notwithstanding the waiting periods, for each type of lender, you must still establish good credit following the short sale. That means your FICO score must meet the lender’s minimal requirements to qualify for a post-short sale mortgage loan. Alternatively, while you may be able to obtain a new mortgage with a low FICO score, you may have to make a larger down payment or pay a higher interest rate.

    Short sales can damage FICO scores. And the higher your credit score, the bigger the FICO drop with a short sale. You may fare slightly better if the short sale resulted in no deficiency (meaning you sold the house for more than what you owed on the mortgage loan) than if the short sale did result in a deficiency. To learn more see, FICO Provides Insight Into the Impact of Foreclosure, Bankruptcy, and Short-Sale on Your FICO Score .

    To re-establish good credit and boost your FICO score, you should:

    always pay your bills on time

    keep your credit account balances low

    monitor your credit report for errors and inaccuracies, and

    maintain a small number of credit accounts.

    Monitor and Correct Your Credit Report

    It is essential that you review your credit report immediately if you anticipate applying for a new mortgage following a short sale. That is because short sales are frequently reported as “foreclosures” on credit reports. If your short sale is reported as a foreclosure on your credit report, you may be erroneously denied a new mortgage loan because:

    your FICO score is lower than it should be (foreclosures are more damaging to FICO scores than short sales)

    the lender mistakenly applied a longer post-foreclosure waiting period against you when you would have otherwise qualified, or

    the lender required you to make a higher down payment than what you would have been required to make if the short sale were properly reported.

    (To learn about the impact of foreclosure on your ability to get a new mortgage, see When Can I Get a Mortgage After Foreclosure? )

    You should contact all three major credit reporting agencies to correct the error and be prepared to supply documentation of the short sale to your lender.

    For more information on how to correct your credit report, visit Nolo’s Credit Repair section .


    Short sale tax break on verge of being extended until 2017 #tila #mortgage


    #mortgage relief act

    #

    Short sale tax break on verge of being extended until 2017

    Homeowners who had short sales in 2015 are about to get big break on their taxes, thanks for a massive federal spending bill that s about to be signed into law by President Obama.

    The Mortgage Debt Forgiveness Act was set to expire at the end of 2015, and without an extension, any mortgage forgiveness achieved in a short sale would have been counted as income for homeowners whom banks allowed to sell their homes for less than the amount of their mortgage during 2015.

    But an extension to the Mortgage Debt Forgiveness Act was included in the fiscal 2016 federal appropriations and tax relief bill, which passed both the House of Representatives and the Senate on Friday.

    The bill is now awaiting the signature of President Obama, who reportedly will sign the bill into law on Friday, meaning that borrowers who had short sales in 2015 are about to be able to breath a little easier.

    This is not the first year that the extension of the short sale tax break has come right down to the wire. Last year, President Obama signed the 2014 version of the short sale tax break on Dec. 29.

    But what s different in this year s version of the short sale tax break applies not only to short sales that took place in 2015, but it also extends the short sale tax break to cover any short sales that take place in 2016 as well.

    Previous extensions of the short sale tax break only covered short sales during the previous year, leaving many homeowners wondering if they were going to get stuck with a massive tax bill.

    While last year s short sale tax break was in Congressional limbo, a report from RealtyTrac estimated that in the first three quarters of 2014, there were more than 170,000 short sales representing a mortgage debt forgiveness of $8.1 billion total.

    The average short sale has a mortgage forgiveness of about $75,000, which if the tax break expired would be counted as income.

    RealtyTrac also estimated that the potential taxes on the average short sale to be $22,114, which would have brought the total tax liability to $2.7 billion.

    But that didn t happen last year, and it s now one step away from not happening in 2015 or 2016.

    This month in
    Housing Wire magazine

    The winners of our Insiders award are people who get things done, who are known throughout their companies as the “go-to” person in their department or division. They provide expertise in areas as diverse as operations, compliance and client services, but also have a reputation for going above and beyond their assigned roles to help out their colleagues, their companies and their clients.

    Feature

    In May of 2016 Airbnb had almost 1.4 listings on the site and raised its revenue projection for this year to more than $900 million. But the site impacts more than just hotel chains. As more investors, not just homeowners, use the site to rent out spare rooms — and even spare couches — it strains the supply of rental houses.

    Commentary

    A funny thing happened while the mortgage process became more automated. Rather than reduce human interaction, which some skeptics anticipated, automation technology is in fact having the opposite effect. It is enabling mortgage lending to become a people-first business once again.

    HousingWire.com

    HW Community

    Company

    Connect With Us


    E trade is the second lender on a short sale #mortgage #rates #houston


    #etrade mortgage

    #

    E trade is the second lender on a short sale. Anyone have any experience with them agreeing?

    I am representing the seller and his first is with Citimortgage, He recieved his NOD while I was at the open house this past Sunday so now we’re trying to beat the clock and have about 2 months.

    I just sent the letter of autho. to both Citi and Etrade (HELOC) and today we received an offer. I’m wondering if anyone has heard of Etrade Bank agreeing to a short sale.

    I also heard that second position is starting to require 10% minimum. Does anyone have any direct experience with either of these.

    Please sign in to add your answer.

    71 answers

    E-trades requires 10% of the loan amount. I just got approvel from the 1st lien holder which is LItton Loan Services and E-trade is the 2nd, both approved. Make sure that you ask you’re negotiatorto post pond the trustee sale. If you’re in the process of negotiation a short sale they well post pond.

    I’ve had the same thing happen with etrade. They had the First on a short sale in which i represented the buyers. In the short sale acceptance they stated they would allow the short sale to proceed and release the lien on the property but declined to accept the minimum net proceeds in full satisfaction of the amount due under the loan. After consulting two RE attorneys the decision was to foreclose on the property. We tried to have the language changed in the short sale acceptance time an again to no avail. 7 months of hard work a distraught buyer and not to mention seller! Be very carful taking Short sales where etrade is the lender. Gd luck

    If it wasn’t purchase money then the one action rule exists. The second may have been wiped off of the title to the property through trustee sale but they have up to 4 years to seek a judgement from the homeowner. This would then be their “one action”.
    They will usually sell off this paper to a recovery or collection agency for pennies on the dollar. These folks can be VERY difficult to deal with.

    Etrade said in the approval the note holder reserves the right provided in the note will remain enforcable if allowable by law, including but not limited to the collection of any deficiency balances.

    My client did his due diligence and after a few days gave me the o.k. to continue and close the deal.

    I guess you never know what a client is going to decide.

    Our loan is with PNC/National City as the servicer but ETrade as the investor. HELOC 2nd (non purchase money recourse loan in California) with a balance of $350K.

    We are having a hell of a time. Six months ago, they agreed to a lien release if we got them 40% or a full release if we got them 60%. At the time we had perfect credit and some money in the bank and an offer on the table. That buyer walked.

    After the buyers walked we requested that the bank approve a slightly lower short sale since, in the high end market, an unapproved short sale sells way low. They would not.

    Now six months down the road we have been late the last 3 months (30 days) and have no money in the bank (husband unemployed). We finally got another offer that nets them $38K. Furthermore, their BPO is now $200K less AND less than our first so they would net nothing in a foreclosure sale.

    We just got the answer back and they said their offer remains the same as six months ago i.e. $215K for settled in full or $150K for a lien release.

    Since our loan balance is $350K, I’m assuming they think we will make up the difference of $175K or that the buyer might be willing to pay as much as $350K more than their BPO.

    Are they crazy? They are allowing us no alternative but to let the house go into foreclosure. We asked them to come back with something more reasonable as that settlement was based on a different market and a different financial picture and they said they would not. I asked to speak with Etrade directly and PNC said I could not.

    We are beyond frustrated in large part because we could have had the house sold for only a minor loss a year ago but that would have required a short sale negotiation and those buyers were not interested in the short sale process. So our offers are low because of the short sale process yet the bank wants us to make up the huge shortfall that they caused.


    Used cars in Western Australia #used #cars #adn #4wds #in #western #australia, #in #western #australia,


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    Used cars, 4wds, caravans, campervans, motorhomes buying destination Perth WA – www.actionmotors.com.au

    – Action Motors Offering Quality Pre-owned Vehicles to the Australian Public for 30 years

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    Action Motors is one of the biggest and best car and 4WD Dealerships in Western Australia.

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    Selling your car, 4wd, utility, caravan, campervan, people mover.

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    Hot Tubs Murrieta, Temecula, Menifee, Saunas, BBQ Islands 951-698-3115 #hot #tubs, #portable #spas,hot #tubs #for


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    Shop Spas, Hottubs, BBQ Islands, Swim Spas, Saunas, Pools and Patio

    A hot tub can be a special place that brings family and friends closer together, or a special retreat for quiet moments alone. A place that refreshes the mind and body alike. In the convenience and comfort of your own backyard. At Valley Hot Spring Spas & BBQ’s, we offer a variety of different chemical systems and our Hot Spring staff can advise you on the best solution for your situation.

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    Relax at home with the world s #1 selling hot tub brands Hot Spring Spas and Cal Spas.

    Valley Hot Spring Spas BBQ’s is one of Hot Spring Spas Gold Award Winning Dealerships. Our goal here at Valley Hot Spring Spas BBQ s is to provide the best customer experience possible.

    When you re buying a luxury product for your backyard, you expect to be treated well. Every staff member, including our technicians, is certified as a backyard specialist to assist you with all your product questions. From our free backyard consultations to water care orientations, we are here to guide you.

    We would like to invite you to experience what we have to offer. Come on into the showroom and try our wide variety of hot tubs, saunas and swim spas. Experience our assorted jets, different seat configurations and your choice of healthy and easy-to-use water care options.

    Whether you are searching for hot tubs. swim spas, BBQ islands or saunas – we have something for everyone, every budget and every lifestyle. Also take a moment to read what our valued customers have to say about us and our products. We look forward to helping you make your backyard dream a reality.

    We Are a premier Hot Spring Spa, Coast Spa and Cal Spa Dealer. We also offer Hot Tubs, Portable Spas, Used Hot Tubs, Used Spas, Swim Spas, Lap Pools, Exercise Pools, Saunas, Infrared Saunas, Gas Grills, BBQ Grills, Built In BBQs and Barbecue Grills.

    Our brand name product lines include Hot Spring Hot Tubs, Cal Spas, Coast Spas, Finnleo Saunas, CalFlame Grills and BBQ Islands, Lion Premium Grills, Cal Swim Spas, Wellness Spas and award winning Silk Balance.

    Our Service Area Includes but is not limited to Murrieta, Temecula, Menifee, San Diego, Palm Springs, Perris, Wildomar, Lake Elsinore, Sun City, Hemet, Winchester, Fallbrook and many more local cities.

    Discover our exclusive easy water care options:

    ACE Salt Watercare for soft, smooth skin and clean, clear water for a lifetime of relaxation or Silk Balance all natural water care. SilkBalance for Spas is specially formulated to be soft on your skin and keep water crystal clear and fresh without harmful chemicals. Either choice you now enjoy the pleasure of a spa, relax with a simple one step process to keep your water crystal clear, feeling soft, and with a refreshing and pleasant scent. Happiness is simple.

    Learn more about hot tub benefits. See every model we carry and find the right one for you on our Hot Tubs and Spas page.

    Visit our showroom today

    Let one of our relaxation specialists help you choose the right hot tub, BBQ Island, or sauna. We will help you design the right place to put it and the right water care to meet your needs, dreams and budget.

    Whether it be a phone call, inquiry through the internet or a visit to our showroom.

    From our backyard to yours check us out at TemeculaHotTubs.com