As a Realtor, I am ethically bound to
put my client's needs above my own.
Whether buying or selling I will work
my hardest to help my client's
achieve their goals  and/or dreams.

California DRE License # 01732723
Julie Richardson

Century21 NorthBay Alliance
Office
707-994-7100
Cell
707-291-0698

9960 Highway 53
P.O. Box 581
Lower Lake, CA 95457

kelseyvillerealestate@yahoo.com
In addition to being a Realtor, I have extensive prior work experience in the Title,
Escrow, Legal and Mortgage Loan fields.  I was previously a Title Insurance Agent and  
a Paralegal.  I am in the process of obtaining my California Broker's License.

My paralegal experience was in the areas of Estate Planning, Litigation and Real
Estate Law.

My background in these fields will allow me to make the process of buying or selling
your home go smoothly.  I have first hand knowledge of the escrow process.   I am
known for providing superior service.
About Me
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I am an alumni of Cal Poly, San Luis Obispo.  I am a Northern California native and a
resident of Kelseyville.  I think you will also love the small town atmosphere in Lake
County.  Lake County offers many vacation and recreation opportunities such as
golf, sailing, wakeboarding, jetsking and fishing.  Clearlake is the larges fresh water
lake in California.  I look forward to helping you find your next primary home, vacation
home or investment property here..
GOOD NEWS FOR DISTRESSED HOMEOWNERS!
Distressed homeowners may no longer have to pay California state income tax on
debt forgiven in a short sale, foreclosure or loan modification.  Enacted into law
April 12, 2010, Senate Bill 401 generally aligns California's tax treatment of
mortgage debt relief with federal law.  For debt forgiven on a loan secured by a
"qualified principal residence", borrowers will now be exempt from both federal and
state income tax consequences.  

"Qualified principal residence" indebtedness is defined as debt incurred in
acquiring, constructing, or substantially improving a principal residence.  It includes
both first and second deeds.  It also includes a refinance loan to the extent the
funds were used to payoff a previous loan that would have qualified.

For more information, consult your tax advisor or
California Franchise Tax Board
and the
IRS.