Orange County Real Estate

Orange County - San Clemente - Dana Point -  San Juan Capistrano - Capistrano Beach - Aliso Viejo - Laguna Niguel
South Orange County Real Estate, City & School Info.
Search Entire Southern California MLS including all Orange County cities.
Learn HOW to search the Orange County MLS HERE.

"One Realtor's view of Orange County":
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America’s Best Place to Live!

Debbie Ferrari - helping people like you move here.

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Saving You Money—
Mid-April California
Law Enacted!...........

Great News!
Forget Paying State Tax
On Forgiven Debt

In Orange County, CA and statewide, distressed homeowners no longer have to pay California state income tax on debt forgiven in a short sale, foreclosure, or loan modification.  Enacted into law in mid-April, Senate Bill 401 generally aligns California's tax treatment of mortgage debt relief income with federal law. 

For debt forgiven on a real estate loan secured by a "qualified principal residence," borrowers will now be exempt from both federal and state income tax consequences.  The existing federal exemption is for indebtedness up to $2 million, whereas the new California exemption is for indebtedness up to $800,000 and forgiven debt up to $500,000.

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

The tax breaks apply to debts discharged from 2009 through 2012.  Californians who have already filed their 2009 tax returns may claim the exemption by filing a Form 540X amendment.

Taxpayers who do not qualify for the above exemptions (e.g., second home or rental property) may nevertheless be exempt under other provisions.  Most notably, taxpayers who are bankrupt are exempt from debt relief income tax.  Also, taxpayers who are insolvent are exempt from debt relief income tax to the extent their current liabilities exceed current assets.

For more information about Mortgage Forgiveness Debt Relief, go to California Franchise Tax Board's webpage: http://tinyurl.com/yhx89zw, Internal Revenue Service's webpage http://tinyurl.com/5pe43f. The full text of Senate Bill 401 is available at www.leginfo.ca.gov

Here are the links to my TWO Real Estate Update newsletters with

considerable more current realty info you should know: 

http://tinyurl.com/3ovyqv

http://tinyurl.com/4b5mes  

You may want me to personally show you regular non-distressed homes, bank owned, short sale or REO homes.  If so, just email me at Debbie@DebbieFerrari.com  or call me a few days beforehand and I will oblige, anywhere in Orange County or North San Diego County.--- Orange County real estate and homes information found here.

Toll Free:  888-547-2942, or from South Orange County, 949-463-4111.

April 2010....

Orange County Real Estate
Median Home Prices
Climb 11.3% In February  2010 
Over Last February  

Now is the Time to Buy

Orange County's median home price rose to $482,700 in February, up 11.3 percent from the same time last year, according to a new report from the California Association of Realtors.

The number only increased 0.4 percent from January, which saw a median of $480,790.

Sales in the region jumped 5.2 percent last month, compared to the same time last year. They also increased nearly 3 percent from January.

Statewide, home sales declined 11.7 percent, compared to February 2009. They also fell slightly from January.

“The federal tax credit for homebuyers, low mortgage rates and affordability at record levels have contributed to an unprecedented opportunity for many first-timers in the market for a home of their own,” says C.A.R. President Steve Goddard. “Although sales have declined from the unusually strong levels we experienced a year ago, they’ve remained above the 500,000 unit threshold for 18 consecutive months."

He says that home prices also continue to "firm" in areas that are attractive to buyers seeking to take advantage of today's market.

The organization, which bases its information on MLS data, is reporting that the statewide median also saw an uptick in February. The number rose 14.1 percent in the period to $279,840, though it fell from January.

In a separate report generated by C.A.R. and DataQuick, which generates its information from county records instead of MLS data, Orange County's median was $415,000 in the period, up 10.7 percent from the same time last year.

The city of La Habra, which saw its median jump 35.9 percent, was ranked No. 3 among the areas in the state that saw the largest increases in February. No. 1 on the list? Banning, with a 44.4 percent spike.

What's more, Newport Beach's $1 million price tag for a home ranked No. 1 among the 10 cities statewide with the highest medians. From OCMetro.com, BY KRISTEN SCHOTT, Published: March 23, 2010 11:23 AM

Your November 25^th Orange County realty
update from San Clemente-based
Real Estate Realtor, Debbie Ferrari

The Orange County real estate market – as well as the market throughout all of California – has become more challenging as a result of the marked increase in the number of “short sales,” according to a report released last Thursday by Altera Real Estate.

Subject to lender approval, short sales occur when the asking price of a home is less than the home’s outstanding loan amount. As a result, lower prices attract numerous buyers who can expect multiple offers, only to wait for an unusually long period of time for the seller to get lender approval. Real estate buyers often walk away and look for something else.

Of the 6,838 total pending home sales in Orange County, 58 percent are short sales, only 8 percent are foreclosures and 33 percent involve homeowners with equity, says the Altera report.

In addition, 3,703 Orange County real estate sales have been pending for one month or more. Of these pending sales, 76 percent are short sales, only 5 percent are foreclosures and 19 percent involve homeowners with equity.

Of the 2,132 sales that have been pending for two months or more, 91 percent – an unusually high figure – are short sales, 1 percent are foreclosures and 8 percent involve homeowners with equity.

Although an increasing number of homeowners have been defaulting on home loans, more lenders have delayed foreclosing. As a result, the housing market has grown “much hotter,” says the Altera report, with an increase in successful short sales and a shift to more equity sellers.

The total number of Orange County real estate homes currently listed, 7,719, is 5,539 fewer than the number of realty homes offered the same time last year and 9,514 fewer than the same time two years ago. (From OC Metro, By Larry Urish. Published: Nov.16, 2009)

Here are the links to my TWO November Debbie Ferrari Orange County Real Estate Update newsletters:

http://tinyurl.com/3ovyqv
http://tinyurl.com/4b5mes  

You may want me to personally show you regular non-distressed homes, bank owned, short sale or REPO homes.  If so, just email me at Debbie@DebbieFerrari.com   or call me a few days beforehand and I will oblige, anywhere in Orange County or North San Diego County. 

Toll Free:  888-547-2942, or from South Orange County, 949-463-4111 Search the local MLS from my site at: www.DebbieFerrari.com   |  Know me better:  Watch a 2-minute, professional-quality video about me.     

 

Look at how Orange County
Home Prices are Rising Again!

Oct. 2009

Orange County's overall median real estate home price rose 0.9 percent in September compared to the same time last year, according to stats just released from MDA DataQuick. It's the first annual gain for any month since August 2007.

The number hit $429,000 during September, up from $425,000 in 2008. It is also up slightly from August, which had a median price of $427,750.

O.C. realty saw a 4.2 percent year-over-year increase in its resale house median in September – this was also the first for any month since August 2007.

"Recent month-to-month and year-over-year gains in the median real estate sale price stem largely from a substantial market shift in recent months: There have been fewer sales of foreclosed homes in lower-cost neighborhoods, and more sales in higher-cost areas," according to the report.

Sales were also up 6 percent in O.C. – 2,828 units were sold in September compared to 2,667 in 2008. The number is also up from August, when 2,790 homes were purchased.

For the Southern California region – which includes O.C., L.A., Riverside, San Bernardino, San Diego and Ventura – the median price was $275,000. The number is unchanged from August, but it is down 10.9 percent compared to September 2008. Yet, it is the smallest year-over-year decline since November 2007, according to the report.

Orange County's median home price was the highest among the six counties measured. Ventura's price of $371,750 was the second highest.

By Kristen Schott, OC Metro http://tinyurl.com/ylkwjlm --10-13-09

Here are the links to my TWO October Real Estate Update newsletters:

http://tinyurl.com/3ovyqv

http://tinyurl.com/4b5mes

You may want me to personally show you bank owned, short sale, REPO, and regular non-distressed homes.

So just email me at Debbie@DebbieFerrari.com or call me a few days beforehand and I will oblige, anywhere in Orange County or North San Diego County. ---

(Toll Free:  888-547-2942, or South Orange County, 949-463-4111)   ----- www.DebbieFerrari.com   

 

 

 

Orange County Real Estate
is Looking Much Better
 

Following the downturn in the housing market, lenders started requiring more money up front, higher credit scores, proof of income, and all paperwork in order—quite different than earlier this decade when sub prime mortgages were rampant and buyers purchased homes deemed unaffordable by today’s standards.   For sellers, the standards are different too:  Be patient and maybe lower the asking price, because the balance of power has swung strongly to buyers.  Many REALTORS®, mortgage brokers, economists, and home buyers across the country say they’ve noticed a shift in attitudes that they expect will last for years.

MAKING SENSE OF THE STORY FOR CONSUMERS

Traditional sellers are finding that the number of offers received is not nearly as high as those received on REO properties, which often receive multiple bids.  The negotiation process also differs between traditional sellers today and traditional sellers during the height of the market.  According to one REALTOR®, if a house is not being shown, then it is overpriced.  The record number of foreclosed homes on the market gives buyers even more leverage.

·    Resulting from the credit crisis, lenders now often require much more paperwork and thoroughly review borrowers’ credit histories, bank statements, tax returns, and job histories.  The average mortgage applications today starts three times thicker than what it was at the start of the housing boom, and often gets thicker as the process moves along.  One mortgage broker reports that now lenders want to know everything about the buyer, “It’s a true and full underwriting process on every particular loan.”

·    It is not uncommon nowadays for closings to take 60 days.  One reason is because of the adoption of the Home Valuation Code of Conduct (HVCC), which often results in appraisers evaluating homes in areas they are not familiar with and often using comparables that are inaccurate.  This has caused delays in closing sales, and in some cases, undermining sales because appraisals are coming in too low.

·    Just about everyone in the real estate industry agrees that another dramatic boom-bust cycle isn’t going to happen again anytime soon.  Albert Saiz, assistant real estate professor at the University of Pennsylvania’s Wharton School, expects that new regulations and a different consumer mind-set will help real estate return to a more traditional cycle.

 (From: San Francisco Chronicle)

July 15, 2009

Orange County Real Estate Picking Up;
O.C. home price runs at 9-month high

For the 22 business days ending June 10 – Data Quick's latest home buying report — Orange County Realty saw …

• $420,500 median selling price in mid-June. Last time higher? September 2008.
• $420,500  is -12.2% vs. a year ago and -35% below June 2007’s peak of $645,000. Prices have been falling on a year-over-year basis since Sept. 2007 with the worst at -31.5% in August 2008.
• Single-family Orange County real estate homes sell for 35% less than their peak pricing (June ‘07) while condos sell 38% below their peak in March 2006. Builder prices for new homes are 38% below their February ‘05 top.
• In this most recent period, O.C. shoppers bought 2,915 residences — that is +14.3% vs. year-ago buying activity. (From 1997-2006, monthly sales averaged 4,304 per month.)
• May was the 11th straight month of sales gains vs. the year-ago period. That follows 33 consecutive months where sales failed to beat the previous year’s pace.
• Be sure to contact me, your Orange County Realtor, with 33 years of experience, to help you find your home.

June 14, 2009

Orange County sees 20 percent drop in real estate foreclosure activity from April to May.  One in every 220 homes received a filing.

From OC Metro

Orange County real estate activity.  The County saw 4,672 real estate foreclosure filings in May. The number is a 20 percent decrease compared to April, according to a recent report from Irvine-based RealtyTrac. And it's less than a 1 percent increase compared to May 2008.

See Video:

OC Homes Undervalued by 11%

Foreclosure filings account for notices of default, scheduled auctions and bank repossessions. One out of every 220 homes in the region received a filing in May.

Some 2,620 residences received a notice of default, 1,627 were notified of a public auction of the home and 425 were classified as Orange County Real Estate Owned by the lender, meaning the property is in the final step in the foreclosure process.

Orange County ranked No. 33 for its real estate foreclosure ratings out of all the metropolitan areas measured, according to RealtyTrac.

Statewide, California posted the second-highest state foreclosure rate, though the amount of activity fell 4 percent compared to April. About 92,250 filings were reported in the state, up nearly 23 percent from last year. Six metropolitan areas in California were among those with the top 10 highest foreclosure rates.

Nationwide, filings were reported on 321,480 properties in May. It's a decrease of 6 percent compared to April, but it's an increase of about 18 percent compared to last year. One in every 398 U.S. housing units received a foreclosure filing last month.

May 1, 2009

First Time Home Buyers VS. Experienced Buyers
Home buying incentives are drawing first-time home buyers into the market in droves.
Their numbers are up more than20%.

As a result, homes in the entry and mid-level price ranges are selling much faster than those at the luxury level in most areas: MLS trends indicate higher demand for homes at or below $500,000. This movement is being strengthened by the increased popularity and availability of low down-payment FHA loans, insured by the government, and conventional loans, insured by the government-sponsored corporations Fannie Mae and Freddie Mac.

Inventories of homes priced at or below $500,000 have fallen to or below the two-month-on-hand mark, a sure indicator of a seller’s market. Above the $900,000 level, some areas have as much as 16 months of inventory on hand. This is due in part to tighter lending in the jumbo loan sector, but those conditions, too, are beginning to change as banks commit to new jumbo loan programs.

Nonetheless, each market is highly individual. Buyers and sellers should gear their expectations to what’s happening in their own marketplaces and personal price ranges.

Orange County Real Estate

Market Conditions Improve in 2009

For Buyers Looking for Superb

County Home Bargains or Rentals

 

Single family homes throughout the county sell for 41% less than their peak pricing (June '07) while condos sell 46% below their peak in March 2006. Builder prices for new homes are 42% below their February '05 top.

Home prices usually rise in February vs. January. Last time they fell in this period? 1999!

January was the 7th straight month of sales gains vs. the year-ago period. That follows 33 consecutive months where sales failed to beat the previous year's pace

Delores Conway, a real estate economist at the University of Southern California, says home prices have come down 40 % in Los Angeles and Orange County since the mid decade peak.

She notes that those prices, coupled with record low interest rates, mean today's buyers can secure the same monthly payments home buyers enjoyed six years ago. 

Home sales increased 83 percent in February in California

Home sales increased 83 percent in February in California compared with the same period a year ago, while the median price of an existing home declined 40.8 percent, according to a C.A.R. report released today. "Home sales in California continue to be considerably stronger than the nationwide sales figures," said C.A.R. President James Liptak. "The market will continue to register large, but diminishing year-to-year percentage gains in the coming months, as current sales are compared against the extremely low numbers that prevailed during the early months of the credit crunch."

Closed escrow sales of existing, single-family detached homes in California totaled 620,410 in February at a seasonally adjusted annualized rate. Statewide home resale activity increased 83 percent from the revised 338,970 sales pace recorded in February 2008.

Sales in February 2009 decreased 0.8percent compared with the previous month. The statewide sales figure represents what the total number of homes sold during 2009 would be if sales maintained the February pace throughout the year. It is adjusted to account for seasonal factors that typically influence home sales.

To find out if you qualify for either the Making Home Affordable Refinancing Program or the Loan Modification Program please click on the appropriate link below:

Find Out If You Qualify For the Making Home Affordable Refinance
Find Out if You Qualify For the Home Affordable Modification

Please find a list of useful resources below:

Making Home Affordable Summary of Guidelines
Making Home Affordable Borrower Q&A
Making Home Affordable Detailed Program Description
Home Affordable Modification Program Guidelines

See Debbie Ferrari’s Foreclosure/REPO page at:

http://www.debbieferrari.com/orangecountyforeclosures/index.htm

All About Orange County--

A Great Place to Own

Orange County Real Estate

Located on the ocean, about halfway between Los Angeles and San Diego, California, is one of the smallest and yet most powerful counties in California, or even in the whole world:  Orange County, California.

If you are thinking of moving here and buying Orange County real estate, you are in for some real fun in house hunting.  It will not be grueling like your other times.  This time you will be in excellent hands, with Debbie Ferrari as your host and guide.  She will help you comfortably find exactly the right home for the best price.

That is what Debbie does all the time in finding people Orange County real estate.  Her specialty is helping you find the right Orange County home here in a number of ways.  First, she saves you time in looking at homes on our local Orange County real estate MLS service.  (Searchable right from her site, unlike most agent sites.) 

Debbie---a licensed California real estate Broker; and not merely a Realtor®--- teaches you how to do it YOURSELF, at YOUR own leisure, not at the hands of some “up desk” agent who happened to be next in line.  Debbie shows you the most effective AND efficient ways to find a home here:

1.  Search the Orange County Real Estate MLS yourself, online.

2.  Search with her, in pre-selected neighborhoods, when you arrive.

Debbie’s been finding the right home for newcomers for 27 years and knows all the ropes.  Most Realtors® scurry around locally focusing upon getting new listings and handing off their buyers to far less skilled agents.  Debbie, however, believes that the Orange County real estate BUYER is King (or Queen) and prefers to help buyers almost exclusively.

So, after seeing many Realtor® web sites, if you are wondering which Realtor® to choose, choose Debbie. (Lots of happy homeowners around here think she’s the absolute best one that there is.)

 In Orange County You’ve Got it all -
From Starter Homes to Mansions!

Economically, if it were a country, Orange County’s gross product would rank ahead of South Africa, Turkey, Finland, Greece, and Thailand.

Orange County has the 8^th largest economy in the United States, behind Los Angeles (2^nd) and Boston (4^th) and ahead of the Twin Cities (12^th) and Seattle (13^th).

There are so many business and networking organizations and association here in Orange County that it is hard to keep track of them all. Such diversity keeps Orange County vital, one of the nation's leading counties in both culture and economic strength. To find many of the business/networking organizations in the county, go to Orange County Networking Place.

With a population of nearly 3 million people and an estimated annual gross county product of $127 billion, if we were a country, we would rank No. 33.

Orange County enjoys 45 continuous miles of shoreline and aggregates 798 square miles of land, 30% of which is devoted to residential housing.  Real estate here is booming with homes rising nicely in price from about 16-22% a year, depending on the city.  There are still many areas of Orange County where new homes are being built in extremely well-planned communities, such as the new Telega Homes in San Clemente.

Beaches like this abound in Orange County

Orange County is the second most populous county in the state and one of California’s fastest growing and changing regions.  The county is home to almost 2.9 million residents today, having gained nearly one million residents since 1980. The history of Orange County, California, is rich and romantic.

Southern California is still one of the fastest growing regions in the nation.  Orange County ranks 11^th in terms of numeric population growth between 2000 and 2001, with the population now growing at about a comfortable 1.6% rate per year.

Debbie at Mission San Juan Capistrano

The county’s dynamic economy has been bolstered by an exploding high-technology industry.  Many major technology, computer, and Internet firms call Orange County home.  Ethnically, three in four residents here were white and non-Hispanic in 1980; today, nearly half are Latinos and Asians. 

The real estate industry does well here because people love the year-round warm weather.  Orange County has an almost ideal Mediterranean climate (the sun shines 80% of the time while rainfall averages only 12-14 inches a year). The terrain ranges from steep bluffs at the ocean in South Orange County to gentle flat alluvial plains sloping to the sea in Huntington Beach and Fountain Valley.

Orange County Real estate in beachfront cities ranges from the quaint to the deluxe, from piers for fishing and elegant dining, cliff top mansions of famous writers, and sparkling harbors packed with watercraft from plebian rowboats to $20 million corporate yachts. 

Aerial view of San Clemente, in South Orange County
See if you can spot the 1,200 foot pier!

Offered, too, in amongst all the Orange County real estate are remote or even wild mountain areas (most populated thinly by cougars and coyotes). There are almost too many regional parks to count, spanning 36,500 acres and 57 square miles.  Orange County's real estate is blessed with forests, streams, lakes, and preserved and protected homes and buildings dating from its early history.  A considerable number of its cities have wisely preserved their old fashioned retail store downtowns, modernized now with quaint boutiques, and in some cases---particularly san clemente---enforced the preservation of homes dating back to the founding of san clemente.

Along the ocean, thousands of homes in seaside cities offer stunning ocean front or panoramic views, further making the owning of real estate here desirable.  Orange County real estate is in high demand and because of this, homes tend to appreciate well in value.  Many people have switched from buying stocks to buying a second or retirement home here, knowing that such a move will likely produce a better real estate return than would investing in securities.  Luxury homes abound here, and Debbie Ferrari is a luxury home specialist as well as a leading area licensed broker, highly skilled in commercial property transactions, too.

In short, Orange County is just what you hoped it would be.  Beautiful, exciting, safe, warm, packed with recreational choices year around, and offering such a wide choice of Orange County real estate that it boggles your mind.

Find even more, In-Depth Orange County
realty-related information by clicking here.

Now that that’s settled, please let Debbie Ferrari (that’s me, in case you hadn’t guessed) take care of your home selection needs, now, online before you arrive.  Let me save you time analyzing the MLS homes you find through my web site. 

Let me save you time finding the right home, and negotiating on your behalf with the seller and his agent once we narrow it down to YOUR home.

We’ll make a great team, I just know it!

 

 

Ask Me Your Questions. It's Safe. Click Here I will never spam you or add you to some list.  I will only answer you as fully as I can from my 25 years of realty experience. No strings. Try it! Just click on "Buyer" or "Seller" to find your appropriate form. Or, for simplicity, just e-mail me HERE E-mail this page to a friend!

 

 

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Find Homes Yourself Now
on SoCaL MLS--Pics & Text
Find homes in San Clemente, Dana Point, San 
Juan Capistrano, Laguna Niguel and in all of Orange 
County and Southern California. All the real estate 
that is for sale and is listed in the 
Multiple Listing Service (MLS).
 

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Are You Moving Here?
With Me, You Save Time. See Why.
(Helping Newcomers Come Here is what I do.)
Maintain Privacy and Ask me Your Questions -- Here.
You're wise to find homes and Realtors® on the Web--Here's Why.

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Links to Orange County California

- Services and Facts -

 

Search Orange County Real Estate MLS
 

The Official Orange County Web Site That Tells Everything! History of Orange County Official State of the County Report Visit Every City in Orange County 2006 Facts and Figures For Orange County

• SurfSun.com Beach Vacation Guide - This site is the definitive resource for finding beach   destination, product, and more information on the Internet. It’s all beach all the time.  Find All South Orange County Utilities Facts Galore About Orange County One-Stop! To Sign Up For: Local Telephone Long Distance Telephone Digital Cable High Speed Internet Newspaper Delivery Magazines Change of Address Local Movers Interstate Movers Self Storage Bottled Water Delivery Movie Rental Renters Insurance Furniture Rental Appliance Rental Home Furnishings Dial-Up Internet Service Alarm Monitoring ... Just Click Here Orange County Events this Month Orange County Facts at a Glance - Click Here Orange County Home Sales Last Month County Performing Arts Center Help Rescue Endangered Local Wildlife - Support Pacific Wildlife Project HERE Latest California Housing Market Report - Slowing Sales, but Good Appreciation County of Orange Government Site Orange County’s #1 Newspaper – The Register Orange County California Department of Education John Wayne Airport - Orange County Airport (SNA) Are Flights Being Delayed at John Wayne Today? Spot Traffic Snarls – See Live Report Showing Freeway Speeds EMERGENCY DIALING 9-1-1 - When to call it in Orange County Orange County CA Bus and Train Schedules What the County Clerk - Recorder Can Do for You Kenny’s History of Orange County, California Superior Court of Orange County County of Orange Health Care Agency The Catholic Diocese of Orange County, California Cox Cable’s County Site Events/Movies/TV/Plays

About e-PRO | See Official Certificate This site has won ALL the top Real Estate Awards--and dozens of others--for XLNT Content and Design _____________________________________________________________ Debbie Ferrari, e-PRO | "The Internet Broker" © 2007, An independently owned and operated member of The Prudential Real Estate Affiliates, Inc. is a service mark of The Prudential Insurance Company of America.  Serving all of South Orange County, CA Providing Realtor® and real estate services for: San Clemente, Dana Point, San Juan Capistrano, Laguna Niguel, Aliso Viejo, Monarch Beach, Capistrano Beach, Laguna Hills, Beach Cities, and South and Central Orange County, California Prudential California Realty Debbie's Prudential California Realty Office: 29982 Ivy Glenn Drive, Suite 100 | Laguna Niguel, CA 92677 (Inside The Laguna Niguel Design Center | Corner of Aliso Creek and Alisa) -------------------------------------- Debbie's personal home office; 2924 Camino Capistrano, Suite D, San Clemente, CA 92672 Call Me Toll Free: 888-547-2942 Orange County:     949-463-4111 Mobile/Cell:          949-463-4111 Main Fax (949) 625-8622  |  Backup Fax:  949-487-6782 E-mail: Deb4re@Cox.net http://www.DebbieFerrari.com _____________________________________________________________ We tolerate NO pirating or unauthorized copying of text, codes, graphics, formats, design elements, etc. from this site and routinely take the most severe legal action against offenders. For information, contact my attorney, Darren Smith, http://www.darrensmithlaw.com at smithlaw@darrensmithlaw.com. Send site-related questions to: Bill@Koelzer.com. By submitting any form on this site with your contact information including name, telephone number, address and/or e-mail address, you are consenting for Debbie Ferrari and her authorized representatives to contact you even if your name is on the Federal "Do Not Call List". (C) Debbie Ferrari, 1996, 1997, 1998, 1999, 2000, 2001, 2002, 2003, 2004, 2005, 2006, 2007, 2008, 2009.