Home Buying in Sonoma County : Advice

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Sixtix, Home Buyer in Redway, CA
Sixtix asked:
How can people of color avoid discrimination in home buying.? I've been a fair housing tester in the past. Literally every time I was sent out the people were friendly & courteous, nice. And every time resulted in a consent decree to eliminate…
0 votes Share Flag Sat May 16, 2015 Home Buying in 95404
Beth Roy, Home Buyer in Guerneville, CA
Beth Roy answered:
12090 what is the building in the back? do you have a better picture of it? Thanks
The building is a shed, used now for storage but it has been used as a guest house. It has electricity and windows and is accessible from the road.
0 votes Share Flag Wed May 13, 2015 Home Buying in Guerneville
Dan Tabit, Real Estate Pro in 98074
Dan Tabit answered:
Can an attorney from Texas write a real estate contract in California?
Hi Connie,
Probably, but it may be voidable due to the lack of knowledge of specific California law. If you want a proper California contract, us an attorney licensed in California o ... more
0 votes Share Flag Tue May 12, 2015 Home Buying in Sonoma
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
James Olga is listing a home on woodside in Santa Rosa. Seems like a scam, No phone number. claims to be working in west africa. wants funds sent west
WHENEVER asks for funds to be sent (and you haven't met the person)....move on....
0 votes Share Flag Sat May 9, 2015 Home Buying in Santa Rosa
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
we want to use some of our 401k $ for down payment, we are first time buyers in our 50's. good idea?
Hello Romenjou, you can withdraw from a 401k without penalty to buy a home. You may qualify FHA with as low as .5% half percent down payment but with a slightly higher interest rate so ... more
0 votes Share Flag Sat May 9, 2015 Home Buying in 95405
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
True credit score
Hello Maria, that is a good start to see what you have to work with as that is considered a soft pull and if you have a lender like me run credit it is a hard pull which dings your scor ... more
0 votes Share Flag Fri May 1, 2015 Home Buying in Sonoma
Randall Ortiz, Real Estate Pro in Sacramento, CA
Randall Ortiz answered:
what does withdrawn-cancel mean?
They decided not to sell the home right now, or at least cancelled the agreement with their realtor.
0 votes Share Flag Sat Apr 11, 2015 Home Buying in 95425
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
h should an unmarried couple deal with ownership?
I don't know you so don't really want to advise you. In general, your options are joint tenancy, or tenants in common. I would ask your Realtor to discuss these options with you.
0 votes Share Flag Wed Apr 1, 2015 Home Buying in 94928
Josh Barnett, Real Estate Pro in Oklahoma City, OK
Josh Barnett answered:
I've been thinking about buying land and having a house built on it.
Give both city planning commissions a call and they can help out in providing prelim research.
0 votes Share Flag Sat Mar 28, 2015 Home Buying in Healdsburg
srimkeit, Home Owner in San Jose, CA
srimkeit asked:
A person lives in Santa Rosa, CA. This person wants to buy a newer double pre-fab in a mobile home park. The person was told told by the bank lender California Law states a loan-cosigner has to live inside the mobile home park where the purchase is to take place and no one outside said mobile…
0 votes Share Flag Mon Mar 9, 2015 Home Buying in Santa Rosa
Karen Maxwell, Real Estate Pro in 95401
Karen Maxwell answered:
I had a 90% loan. Value of home has increased since then by 28% thus my loan to value s about 72% now. Can I drop PMI?
It would depend on when your PMI was initiated. Your other option would be to refinance your current loan to drop your PMI all together. Please feel free to contact me with any other ... more
0 votes Share Flag Mon Mar 9, 2015 Home Buying in 95403
Ryan Rudnick, Real Estate Pro in 94114
Ryan Rudnick answered:
Plz contact me with info Karen 415-595-8822
Hi Karen,

I'd be happy to help in any way I can - give me a call or send me an e-mail with a bit more info if you'd like. You can find all of my contact info on my profile.

Tha ... more
0 votes Share Flag Thu Mar 5, 2015 Foreclosure in Forestville
Kristi Taylor, Real Estate Pro in Windsor, CA
Kristi Taylor answered:
Want to sell our home (no mortgage) to buy a new home- only want to move 1 more time. Retired people can qualify for a mortgage until 1st home sells?
Hi Cynthia,

There are loans now that are called "bridge loans" to assist people with this situation. It makes the transition smooth.

Give me a call at (707) 495-3333 or email me ... more
0 votes Share Flag Sun Mar 1, 2015 Home Buying in Santa Rosa
ejf456, Home Buyer in Sioux City, IA
ejf456 asked:
How do a search that filters out any and all results from Realty Trak? I have been a long time user of your service, recommended to others and will likely buy based on a result from your site. I have started using it less because there are too many results…
0 votes Share Flag Fri Feb 27, 2015 Home Buying in 95492
Kevin McLaug…, Real Estate Pro in Murrieta, CA
Kevin McLaughlin answered:
Once a realtor is involved, can I decide not to sell my home and pay a fee to the realtor, or am I stuck selling it.
If you're still under a conservatorship, you'll need to use them (or a lawyer) to help iron this out. Hope it all goes well for you!
0 votes Share Flag Wed Jan 14, 2015 Home Buying in 94928
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller Gravelle answered:
Exactly how much does your income need to be and how good must your credit be in order to buy a home rather than rent?
From a lender:
Your credit score can be as low as 620.
The better your score, the better interest rate.
You want to take 40% of your gross monthly income, back out your monthly revol ... more
0 votes Share Flag Thu Jan 8, 2015 Home Buying in 94954
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller Gravelle answered:
why didn't the appraiser use the house next door to mine that sold the day after his appraisal inspection?
Hi Bruce! From a lender, the property must be CLOSED and part of the public record to be included as a comparible sale for an appraisal.
As a courtesy, they should have explained that ... more
0 votes Share Flag Thu Jan 8, 2015 Home Buying in Petaluma
David R Mill…, Real Estate Pro in Guerneville, CA
David R Millar answered:
How far is the drive to 18231 from the Golden Gate Bridge?
I would suggest using Google Maps or you can get more information at http://russianriverlandandhome.com/
0 votes Share Flag Mon Dec 22, 2014 Home Buying in Guerneville
hoffmanfinan…, Other/Just Looking in Atlanta, GA
hoffmanfinancialhome answered:
Looking in the Sonoma area for a small house to have small shop.
Do you need Financial assistance of any kind? Personal Loans? Xmas Loan? Business Loans? Mortgage loans? We give out loans at 2% interest rate! , if yes get back to us with this loan ap ... more
0 votes Share Flag Wed Nov 12, 2014 Home Buying in Sonoma
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