94519 : Real Estate Advice

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Pacita Dimac…, Real Estate Pro in Oakland, CA
Pacita Dimacali answered:
I am buying a home from my relative. We agreed on a price. What is the next step?
Presumably, the house you're buying is not being sold as a short sale? Because if it's a short sale, a condition of the the sale is that it's at an arm's length and ... more
0 votes Share Flag Wed Mar 17, 2010 Home Buying in 94520
Erica Starkey, Real Estate Pro in Danville, CA
Erica Starkey answered:
Bank of America Appraisal Issues anyone
Caden,
We have done an number of deals with B of A and haven't had any issues with appraisal. I would suggest your agent pull comps in the area and have them ready for the apprais ... more
0 votes Share Flag Thu May 1, 2014 Financing in Concord
Vickie Nagy, Real Estate Pro in San Ramon, CA
Vickie Nagy answered:
I received a counter offer from the bank on 1/15/10 and accepted it on 1/19/10. Is the bank obligated to sign the counter offer that I accepted?
Hello Avibe, ask your agent...or your attorney. Most bank documents vary from standard California Association of Realtors.

Respectfully,
Vickie Nagy
Realtor® - ABR, CRS, e-PRO, ... more
0 votes Share Flag Tue Feb 16, 2010 Home Buying in Concord
Caden, Home Buyer in Concord, CA
Caden answered:
Lenders refusing GFE because of new RESPA rules.
My question got cut off: Someone had said that you could do that but I might have to pay for 2 appraisals. It seems unfair to me that you have to pay 300-500 just to select a lender.
... more
0 votes Share Flag Fri Nov 12, 2010 Financing in Concord
Brad Stoddard,  in Berkeley, CA
Brad Stoddard answered:
Can I get a conventional loan with 10%- 15% down?
The DTI for mortgage insurance is 41%, so that would be your biggest obstacle. You also need two months reserves. I'd be happy to talk to you and see if you preapprove for conven ... more
0 votes Share Flag Thu Feb 18, 2010 Financing in Concord
Johnny Huang,…, Real Estate Pro in Walnut Creek, CA
Johnny Huang, MBA answered:
Is my Agent helping or wasting our time?
You should hire your own contractor for a 2nd opinion, even it if it's out of your own money. Send hundreds now to save thousands later. Also, home inspection is a must for any buy ... more
0 votes Share Flag Sat Nov 7, 2009 Home Buying in Concord
Joanna Morris, Real Estate Pro in Inverness, FL
Joanna Morris answered:
I want to buy a property by the beach in Florida, where are the best areas to consider as regards pricing and closeness to the beach. I hear horror
There are short sales and foreclosures in the Florida market. Some of these can be damaged or have appliances missing even but there are some that are in move in condition. Do you wan ... more
0 votes Share Flag Thu Nov 12, 2009 Foreclosure in 94519
Cathy Catale…, Real Estate Pro in staten island, NY
Cathy Cataletto answered:
I JUST PURCHASED A HOUSE 2 WEEKS AGO ON SHORT SALE, LIVED THERE ONE WEEK, HAS MASSIVE SEWER PIPE ISSUE, NOTHING ON DISCLOSURES, BOTH COMPANYS THAT I
Unfortantely if a seller claims they had no knowledge of any defect with the home and if you're unable to prove other wise, then I believe you may be out of luck. What I would HIG ... more
0 votes Share Flag Sat Feb 26, 2011 Home Buying in 94519
John Anthony…,  in Redding, CA
John Anthony Alcantar answered:
Credit drop in a short sale as opposed to a forclosure? Recovery time for both? Obviously every case if different, a rough estimate is fine.
Shelly,
With the right help of a good Realtor before, after, and during a short sale or foreclosure, we've seen credit hits be as little as 15 point drops across all 3 scores.
W ... more
0 votes Share Flag Fri Jan 17, 2014 Credit Score in Concord
Terrylynn Fi…, Real Estate Pro in Walnut Creek, CA
Terrylynn Fisher answered:
What is the average monthly maintenance fee for a 2 bedroom condo in newer buildings in East Bay area of California?
That would be about $300 to $350 in Concord in general. Although every complex is different and unique, its about right for amenities, insurance, etc.
0 votes Share Flag Sat Jan 30, 2010 Home Buying in 94521
Patrick Thies, Real Estate Pro in Anytown, IL
Patrick Thies answered:
Can seniors get rid of there Mello Roos tax?
Check with your county assessor to see if there is a senior exemption in your area.
0 votes Share Flag Sat Oct 10, 2009 General Area in 94518
The Hagley G…, Real Estate Pro in Pleasanton, CA
The Hagley Group answered:
the bank bought my house 9/09 can i get it back i received a trustee sale on 12/08 then i made 3 payments talked to someone on 7/09 and did not hear
I am confused! Your bank bought your home? That does not seem right...maybe it was an investor? Give me a call and I will try to help you. you can get my number through the website bel ... more
0 votes Share Flag Thu Oct 8, 2009 Foreclosure in 94520
Christine Ha…, Real Estate Pro in Mentor, OH
Christine Hart Howlett answered:
I am in the process of applying for an FHA loan. I have good credit and average income, but have frequent NSF fees. How will this affect me when?
The NSF fees will probably not affect you, unless your bank has sent them to Collections. As long as you make deposits to cover the overdrafts within a day or two, you should be OK.
0 votes Share Flag Sun Sep 20, 2009 Financing in Concord
Vickie Nagy, Real Estate Pro in San Ramon, CA
Vickie Nagy answered:
Is there anyway I can keep my home after foreclosure has started ?
Hello SG,

What did your bankruptcy counselor say SG? There are a couple of ways to stop foreclosure including a loan modification (which would enable you to stay in the home) or a sh ... more
0 votes Share Flag Wed Apr 7, 2010 Foreclosure in Concord
CCC, Home Owner in San Diego, CA
CCC answered:
How hard is it to rent after a bank Foreclosure and also a chapter7 ? I need to stay in Concord 94521
Hi girl,
I dont see any problems here in Minnesota with people renting after foreclosure, short sale or deed in leu.
Unfurtunatly it is a common problem. In doubt, go an ask at two ... more
0 votes Share Flag Fri Sep 11, 2009 Rental Basics in Concord
Johnny Huang,…, Real Estate Pro in Walnut Creek, CA
Johnny Huang, MBA answered:
Is Heights Elementary School‎ (Pittsburg) area very bad?
2008 API Schoot report link below:

http://api.cde.ca.gov/AcntRpt2009/2008BaseSch.aspx?allcds=07617886004527
0 votes Share Flag Tue Sep 15, 2009 Home Buying in Concord
Johnny Huang,…, Real Estate Pro in Walnut Creek, CA
Johnny Huang, MBA answered:
how do I get a copy of a certificate of occupancy or a building permit in concord, california?
check with the permit's department. Link attached.
0 votes Share Flag Tue Sep 1, 2009 Remodel & Renovate in 94520
Dave Sutton, Real Estate Pro in Portland, OR
Dave Sutton answered:
I need a home loan for about 150-200k but below are my problems:
Your best bet is to start with a mortgage broker or bank mortgage office. I recommend Mike Ahr at Bank of America or Kristine Marr, an independent broker. If you want to pursue that, ... more
0 votes Share Flag Sat Aug 29, 2009 Home Buying in 94521
Brad Stoddard,  in Berkeley, CA
Brad Stoddard answered:
To pay pmi or not to pay pmi?
Depending on your purchase price, PMI can be several hundred dollars a month (or more). MGIC has a PMI payment calculator at http://www.mgic.com/is/html/ratefinder.html which you might ... more
0 votes Share Flag Mon Aug 24, 2009 Home Buying in 94521
Sean Dawes, Other/Just Looking in Philadelphia, PA
Sean Dawes answered:
CAN YOU TAKE OVER SOMEONES PAYMENTS?
Assumable mortgage you mean?
0 votes Share Flag Mon Mar 1, 2010 Home Buying in Concord
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