Hi Happyscarpa, If your still interested in a hassle-free pre-approval with a laid back Mortgage Specialist, I would be happy to help you with your purchase. Contact me anytime. Thanks!

Angeli Yenko
ayenko@ccmclending.com

Happyscarpara,
We do a lot of work in Concord with both buyers and sellers. we also have a couple of listings coming up in that price range. I would be happy to help and send you listings if that would be helpful or I can show you some things that are coming up. we have a great lender who does a great job with our clients. I would be happy to give you his name. He's a real no pressure guy and will give it to you straight. He's done a lot of loans for clients in that price range so he's got a number of options. Let me know how I can help, please feel free to contact me.
Best,
Erica

Erica Jones Starkey
Broker, Co-Founder
JSCA Real Estate Group
Providing Superior Solutions for Your Individual Real Estate Needs http://www.JSCArealty.com
office: 925.989.1613
fax: 925.905.2417

Thanks everyone for your responses. Yes, my husband and I are completely aware that we'll probably end up with a fixer (cosmetic only, hopefully) but we're relatively young and are fine with that.
I really don't want to work with B of A, or Wells Fargo. I bank with San Francisco Fire Credit Union but don't think I can qualify with them yet.
Johnny, I'll try to give you a call.

Hi Happyscarpa,

Are you interested in a 'fixer'? I have a listing coming up in Concord and it will be in this price range. I also know many loan agents that work with my clients. They reflect my personality; very patient and go at the pace of my clients.

Lots of success to you,
Suzanne Looker

I'm in Walnut Creek and know Concord. Feel free to contact me anytime and I can help you get pre-qualified.

Hello Happyscarpa,

I like Bank of America. They have a main office in Concord. My contact there is AJ Nisen. He helps a lot of my buyers.

You're probably going to want to go FHA due to low out-of-pocket expense. Please know that in this situation the complex has to be approved, or at least have the potential to have a spot approval. These parameters have to do with owner occupancy, delinquencies and cash reserves. Yes, complexes need cash reserves just like buyers do.

Concord is an area I'm quite familiar with.

If you are not currently working with a dedicated buyer’s agent in the area I would welcome an opportunity to interview with you, learn more about your home requirements and discuss how I can help. We could also discuss the market and the unique opportunities and challenges presented by short sales and foreclosure properties.

Kindest Regards,
Vickie Nagy
Realtor® - ABR, CRS, e-PRO, GRI, SRES
Specializing in "GETTING YOU WHERE YOU NEED TO BE"
(925) 407-7987 cell
http://www.VickieNagy.com to search the MLS
http://www.BestTriValleyHomes.com
Vickie Nagy | Keller Williams | 760 Camino Ramon Suite 200, Danville, CA 94526