94587 : Real Estate Advice

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Claudia Mull…, Real Estate Pro in
Claudia Muller Gravelle answered:
Spouse on Title on VA loan
Non-veteran spouse can be on title and can be on the loan.

The contract and the title must match.

In California, she is allowed to be on as title only. However, if she is not goi ... more
0 votes Share Flag Wed Jan 6, 2016 Home Buying in 94587
Evil-mistek, Home Buyer in Union City, CA
Evil-mistek answered:
Who's responsibility to pay unpaid property tax for a short sale house?
We bought a house in May of 2009, We were told the takes we paid went to 2008 taxes. We did not own the home and are now being foreclosed on because they used what we thought was to a c ... more
0 votes Share Flag Sun Jan 3, 2016 Home Buying in 94587
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
my home is not showing for sale. Its listed for sale with ref MLS #40707633. Can you guys update it?
Many MLS's are not sending listings to this site anymore. Only your Realtor can place it on Trulia.
0 votes Share Flag Thu Jul 16, 2015 Home Selling in 94587
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Sheryl Arndt answered:
what is a process to buy a for-closure home?
Hello anhthuy101, you will need to be pre-approval by getting all the required documentation and figures to run credit, DU Approval and issue a pre-approval letter to get you out shoppi ... more
0 votes Share Flag Sun May 31, 2015 Home Buying in 94587
Chris Bolts, Renter in Union City, CA
Chris Bolts answered:
I've been working for 8-9 months now. Is it true that I need to be working for 2 years before I can be approved for a mortgage loan?
I know this is 2 years later, but here's the thing that nobody mentioned above. What type of employment do you have? The lenders differentiate between employed in a salary position ve ... more
0 votes Share Flag Sun May 17, 2015 Home Buying in 94587
Ali Qureshi, Real Estate Pro in Pleasanton, CA
Ali Qureshi answered:
Can seller back out after all the contingencies are removed by the buyer.?
While in a contract seller legally cannot black out unless otherwise stated in the contract such as the verbage " contingent upon seller finding another house"
0 votes Share Flag Thu Jan 22, 2015 Home Buying in 94587
Randall Ortiz, Real Estate Pro in Elk Grove, CA
Randall Ortiz answered:
Loan requirements
663 isn't as bad as you think. You can definitely get a loan with that score. The lenders may charge you a little more for that score, but you should be able to get a loan. It would ... more
0 votes Share Flag Mon Jun 9, 2014 Home Buying in 94587
Jessica Aggs…, Real Estate Pro in Paso Robles, CA
Jessica Aggson answered:
what is a process to buy a for-closure home?
Hi Anthony,

There are couple different ways to buy a foreclosure. You can purchase the home at auction when the bank first takes the home back they auction the homes off in my area r ... more
0 votes Share Flag Mon Jun 9, 2014 Home Buying in 94587
Michael McLa…, Real Estate Pro in San Lorenzo, CA
Michael McLaren answered:
What the price difference betwwen single family house with manufacture house in single family house lot?
Actually there is a small development of about 8 homes in Newark (near the center of town) that consists of manufactured homes. They blend in so well that most people are unaware of thi ... more
0 votes Share Flag Wed May 28, 2014 Home Buying in 94587
Dawn Rivera, Real Estate Pro in Fremont, CA
Dawn Rivera answered:
I get VA disability payment of 560 a month, can I take out a VA home loan for $70,000? I am making 25 percent downpayment on the original home price.
Hi Faisal, good advice below. If you want to contact me I have some good people to refer you to who do loans. Like stated below best thing id to be pre-approved by a local lender befo ... more
1 vote Share Flag Sun Jun 30, 2013 Home Buying in 94587
John Dutra, Other/Just Looking in Fremont, CA
John Dutra answered:
what are typical PMI numbers on a 10% conventional loan VS MIP numbers on an FHA loan?
Pdkat,

FHA raised their rates again this year and the MIP (mortgage insurance premium) now stands at 1.5% of the loan amount with 10% down, 1.55% with less than 10% down.

Fo ... more
0 votes Share Flag Tue Jun 25, 2013 Home Buying in 94587
Pacita Dimac…, Real Estate Pro in Oakland, CA
Pacita Dimacali answered:
How do I change the ownership of a home to parents to son?
I'm a bit confused....how can you be a co-borrower but not on the loan? Or did you mean you're a co-owner on title, but not on the loan.

If your parents want to give up their rights ... more
0 votes Share Flag Tue Apr 2, 2013 Home Ownership in 94587
Michael Koen…, Real Estate Pro in Pleasanton, CA
Michael Koenig answered:
what is the average closing cost all paid by buyer on a 360k loan in northern California? Thank you
it seems BofA is especially difficult to work with when you're dealing with their call center.

In my experience, working with a local loan officer; where you can walk into the branch ... more
1 vote Share Flag Mon Dec 17, 2012 Home Buying in 94587
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
My Uncle bought a house for me and my wife...Is there a way we can be added in the mortgage loan?
The short answer is no.

I would also be careful about messing with the financing or title since your uncle told the lender he was buying it for himself as an investment, unless he ... more
0 votes Share Flag Sat Oct 20, 2012 Home Buying in 94587
Meena Gujral, Real Estate Pro in Pleasanton, CA
Meena Gujral answered:
Hi, ALL, I am comparing San Leandro, Hayward, Union City, Castro Valley and Fremont for houses as investment income property
Rental market in all the cities you have listed are good. It also depends on whether you are looking at Single Family homes or condos/townhouses since then you will have the HOA dues ta ... more
0 votes Share Flag Wed Sep 12, 2012 Investment Properties in 94587
Don Tepper, Real Estate Pro in Burke, VA
Don Tepper answered:
how to price a house room to share?
Best way, probably, is to look on Craigslist and see what others are charging. However, I really hate Craigslist for finding people. You have to be super-careful, and even then so many ... more
0 votes Share Flag Fri Feb 24, 2012 In My Neighborhood in 94587
Barry Ripp, Real Estate Pro in Fremont, CA
Barry Ripp answered:
What is property taxes for area code 94587?
Hi Janna,
Yes, the property tax rate in Alameda County, and most northern Calif counties, is 1.25% of the assessed value. You can check the county website for more info: www.acgov.o ... more
0 votes Share Flag Fri Feb 24, 2012 Home Buying in 94587
Toebear, Other/Just Looking in Union City, CA
Toebear answered:
Someone told me that the newer developments around union city blvd and dyer (west of union city blvd) were
yes they are, i've been here for 30 + yrs
0 votes Share Flag Mon Nov 7, 2011 General Area in 94587
Steven Fong, Real Estate Pro in Fremont, CA
Steven Fong answered:
can the buyer pays for county transfer tax?
The buyer can pay for the county transfer tax if it is agreed to in writing. Although it is customary for the seller to pay, it can be negotiated.

Steven Fong
REALTOR
Sunil Sethi ... more
0 votes Share Flag Mon Jun 27, 2011 Home Buying in 94587
Gregg, Home Buyer in California
Gregg answered:
If foreclosure procedure is initiated on a short sale transaction, do I have any legal rights or is the contract considered null and void...
Thanks for all the responses!

The property had originally been approved for short sale, but the previous potential buyer was declined due to DTI issues. Based on the previous apprais ... more
0 votes Share Flag Tue May 10, 2011 Home Buying in 94587
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