Thats exactly what shopping around is. you can contact a couple of lenders directly, or you can have them contact you by using a couple of different websites such as lowermybills.com or lendingtree.com. Just be aware that you will get about 3-5 different companies calling you.
its pretty common practice to get a couple different offers. Just remember, that rates change daily so waiting too long between shopping pretyy much makes the first offer outdated.
If you need help with anything, feel free to shoot me an email at email@example.com
Sr Loan Officer
E-Mortgage Management... more
No I don't suggest lending tree because the people you may speak to may be across the country and not readily available. I do suggest a broker over a bank because a bank is going to show you only what is in that banks portfolio whereas a broker will have the ability to show you that bank's portfolio as well as others to choose from. If you need the name and number of a local broker just email or call me.... more
Hello, the Woodstock complex is a co-op, what this meens is your buying a share in the Woodstock co-op with a right to occupy a particular unit. These properties require a 20% down payment and I believe there is only a few lenders if not one lender that will do a loan to purchase these properties.
I think it is best to start looking in Alameda first. Find a good agent who really knows the Island, because Alameda has a lot to offer. From the condos and townhouses, to the planned unit developments on the West Side to the traditional arts and crafts homes on the East End, there are all manner of homes available.
It is obvious from your question that you love the community on the Island, so I thonk you have to give your first love a chance.
As I said, find a good agent who really knows the Island, and see what you can find.... more
I reported that Alameda has seen, and probably will continue to see its share of short sales and foreclosures. In 2008, only 8% of all sales were foreclosures. To date in 2009, we've seen that jump to 18%.
Yes, even Bay Farm and Harbor Bay areas are feeling the pinch.
So far, we have 7 active listings that are foreclosures and short sales that are actively offered for sale.
In the meantime, we have 12 properties for sale in the price range you indicated in this area, ranging from a low of $739,900 to a high of $1,899,000, and at least a couple of them have bay views.
If you'd like to get more details about each one please contact me directly and I'll be glad to tell you as much as I can.
510 205 2992
Your better option where NO ONE will misunderstand YOUR well author statement speak with mortgage broker review entire file. Lender will require 2 years of employment, HOWEVER contact a loan officer they can detail all involved for future purchase.
Sorry to hear about your situation.
National Featured Realtor and Consultant, Mortgage Loan Officer, Credit Repair Lecturer
Good Morning Southern Girl,
There are quite a few great cities in the Oakland area. I live in Alameda and sell not only in Oakland and Alameda but in Alameda and Contra Costa counties. I would be happy to help you. You can go on my webisite to find out about the schools in our area. Each city is unique. The Alameda public schools are good as well as nearby communites of Orinda, Lafayette and Moraga. Please contact me anytime with questions. I do have a wealth of information for you.... more
I was born and raised in Alameda, been a broker here for over 25 years and I also taught K-5 computers in the district for over 10 years. Although I feel that all of our schools are pretty good, the schools with the highest test scores are Edison, Otis Earhart, and Bay Farm School.. They are all K-5 schools. Edison and Otis are located on the east end of the city. Earhart and Bay Farm Schools are located on Harbor Bay Isle. Please contact me if you want more information. If you go the Home Page of my website, there is a link in which you can find out the test scores of all the schools. The most preferable middle school is Lincoln and high school is Alameda High. I personally attended Otis, Lincoln and Alameda High schools. I hope this has helped you and have a great week.... more
I can help you.
Are you thinking of submitting a request for reassessment for your property taxes? If so, the deadline for submitting your application for 2008 reassessment is TODAY!
To help you, I will need:
* Street address - so we can choose properties in your immediate vicinity. We obviously can't compare the new houses in Bayport to vintage homes in the Gold Coast
* When did you buy your house, and for how much? Sometimes, this information is missing from the property profile I pull up
* When doing the comps, you will need to pick the properties that are the closest to yours in terms of type of building, bedrooms/ baths, square footage, age, style, location, and how much they sold for on specific dates.
It takes a bit of time. You're best served by talking with a realtor. If you don't have one helping you, contact me via my Trulia profile. I'll do my best to get this done today --- but your deadline is TODAY! You can fax your request or drop it off at the Tax Assessor's office.
The next property re-assessment isn’t due until July 2009 so if this one isn’t adjusted this year, you should go ahead and apply for re-assessment for the following tax period. Here’s the link again if you’d like to revisit the website for the Alameda County Tax Assessor’s office http://www.acgov.org/assessor/reassessments.htm... more
Good Morning Joan,
214 Cypress has an accepted offer. It went pending on 2/27/09. Contrary to what the media is promoting to the public, home are selliing in Alameda. Especially if they are priced properly. There are many buyers out there right now who are ready to make purchases while the prices are very good. Do you have a Realtor working for you? Let me know if I can be of help. Have a great day..... more
Hello Hendriks. Alameda to Brentwood is a long trek I think your going to find that your spending 45 minutes to an hour each way during commute traffic. What you might do is go to mapquest and plug in the address of your office and where you might be buying in Brentwood and get a milage amount and a travel time and ad a 15 minute fudge factor. Anyway good luck and give me a shout if you have any other questions.
Hello Barb my understanding of he Woodstock Coop homes is that the coop iself owns the land and everytime one of the homes sells the lease renews so a buyer is never in any danger of the land reverting to the navy or any other body. I hope that answers your questions if you have any others about Alameda feel free to contact me.
Very interesting question. I have lived in Alameda all my life. During my lifetime we have had only 1 major earthquake in 1989. that one did scare me. In my city we had very little damage. All of our utilities remained on, some chimneys cracked, Some condo pools had cracks and some buckling in pavement behind the tube. Every state has Mother Nature's disasters. After seeing all the homes lost, people losing their lives with disasters of floods, tornadoes and hurricanes in most of the USA this last couple of years, I will take my chances in California anyday. I think it makes a lot of sense to buy in California.... more
There are definitey buyers out there and banks are lending. The buyers must have good credit and some down payment like it used to be many years ago. No more 100% financing. Buyers have been very successful with FHA financing. Alameda properties are now holding their values. In any market, if the property doesn't receive offers, it is because of price. There are some properties that are getting multiple offers in Alameda. I have been a broker here for 25 years and born and raised here too. Reducing the price $20,000 is evidently not enough. I do not know your property but I do know it will sell if priced right. Hopefully your agent has educated you properly.... more
There is one active listing in the Woodstock development on Cypress. Are you specifically looking for this development or other properties as well in the same vicinity? Woodstock is a co-op and the process to purchase in this development is different. If you would like more Alamedan.... more
Hi Sarah - If not one gets back to you, please let me know as it is critical in today's market to have a quality agent on your side. If you need help finding one, please let me know. The company I work for in South Carolina has an excellent agent referral program and I am able to help our people in all areas of the country find a qualified agent to help them. Our program requires the other company to be a member of the Leading Real Estate Companies of the World partnership, this requires them to have the same high standards as our company.
Randall Sandin, 843-209-9667, firstname.lastname@example.org... more
Dear Agb. I will give you my experience with Alameda, I have lived here for years, I have seen Alameda grow into a great afforable city even among outside forces that are undesireable. The mix of persons living here are a striving middle class who care about their community. The one feature that Alameda offers is the fact that Alameda is an island, one must cross bridges or go thru a tunnel to get in and out of Alameda. That alone offers some protection from outside forces. There is an excellent police department, fire department. and city officials who care about maintaining Alameda as a great residential community, it also offers medical facilities and one hospital. Excellent shopping centers nearby and an array of great places to eat, most at reasonable prices and they are are abundant. The schools here offer good programs and are comparatively safe for all ages. The police department is active in maintaining a 25 mph speed limit throughtout the main island, this offers much safety for drivers and pedestrians alike. One sees many families riding their bikes or pushing their children in strollers or walking their dogs all over the city, it is refreshing. Of course every city has it's problems, but I feel Alameda is diligent in protecting and preserving this great place to live.
The other cities you mentioned are all good in many aspects also Your question sounds as if you are not considering the City of Alameda, but are looking for so called high class areas that of course are nice places to live and most command a higher prices than Alameda. If that is the case then any of the above cities are excellent. Also Pleasanton could be added to your list, as it fits the category. You are wise to seek answers to relocating to California. I hope you continue to seek the ideal place for your family and ultimately you will find the one that suits you best . Good luck in your pursuit. Jo Anne Chandler, Gallagher and Lindsey Realtors... more
I used to work in construction and have renovated a Victorian home in San Francisco. In my experience, there are a couple of things to pay attention to...
First - the standard of construction can vary considerably. Look out for undersized framing members. Especially in the floor joists. Some Victorians are built very solidly, while others look like they were built quickly and by scrimping on materials. When the framing is undersized it can be more complicated to remodel since the city inspector may want you to upgrade the structure.
Second - look out for foundations that are too low to the ground or made of substandard materials. My Victorian in San Francisco had a concrete foundation that had deteriorated significantly. The contractor said that they often used beach sand in the concrete in those days. The salt in the sand then leaches out over time causing the concrete to crumble. If the foundation is too low to the ground (I think the current building codes require the wooden framing to be at least 6" above grade ) then water and termites can work their way into the framing - not good.
Also - some houses of that vintage are built on brick foundations which are not sound in the event of an earthquake.
The good news about Victorians is that they are typically built from very high quality redwood that is rot resistant and very long lasting.
I would be happy to elaborate on my experiences if you need more information. Just contact me directly.
Prudential California Realty