Home Buying in San Leandro : Real Estate Advice

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Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
my credit score 735, home price $500,000. down payment 1/3 but income is only $3500 month. My Mom cosigns.her score is 745 income $ 500,000/y
Amy Vu,

On an FHA loan, to avoid having to pay the annual/monthly MIP (it's called "MIP", for "Mortgage Insurance Premium", on FHA loans because they are self-insured,and "PMI" means ... more
0 votes Share Flag Thu Mar 14, 2013 Home Buying in 94578
Ivan Diaz, Other/Just Looking in Austin, TX
Ivan Diaz answered:
Can I qualify for an FHA loan after filing for divorce?
Hi Hamlin,

Have you spoken with a Mortgage Professional yet? I do not have enough information to answer this question however, I will add that FHA is a great program that will allow ... more
0 votes Share Flag Wed Jul 30, 2014 Home Buying in San Leandro
Danielle Are…, Real Estate Pro in Howell, NJ
Danielle Arena answered:
Is it helpful to use my 401k for a down payment for a home ?
You can make a downpayment by borrowing from your 401K, but it has to be paid back. I think it might be better to ask for a seller's concession to help you with closing costs instead... ... more
0 votes Share Flag Fri Mar 11, 2016 Home Buying in 94577
Pacita Dimac…, Real Estate Pro in Oakland, CA
Pacita Dimacali answered:
Comparing San Leandro, Pleasanton, San Ramon, Union City, Hayward, etc.
Welcome back.

Besides price/square foot and commute as your criteria, what are your other criteria?

Do you have school-age children in which case school districts may play a role? ... more
0 votes Share Flag Mon Aug 27, 2012 Home Buying in San Leandro
John Juarez, Real Estate Pro in Fremont, CA
John Juarez answered:
Can one pay cash on a BMR home?
I doubt that you can purchase a BMR house for cash. BMR stands for Below Market Rate. The purpose of BMR programs is to create and retain a stock of affordable housing for people of low ... more
0 votes Share Flag Tue Jun 5, 2012 Home Buying in San Leandro
Claudia Mull…, Real Estate Pro in
Claudia Muller Gravelle answered:
I modified my home 27 months ago and found a good job 600 miles away. Can I qualify for an FHA loan to buy a second home.?
Now that you are 24 months from your modification, you are eligible for FHA financing.
As long as you have maintained those payments in good standing and the rest of your credit is cle ... more
0 votes Share Flag Wed Mar 12, 2014 Home Buying in 94578
David Kelly, Real Estate Pro in San Leandro, CA
David Kelly answered:
With all the foreclosures taking place in San Leandro, what are the pros and cons of buying a house that is in foreclosure?
One pro is that you can generally close a transaction quicker than most short sales.
A con is that you will not get a history of that property that a normal physical seller can give yo ... more
0 votes Share Flag Mon Apr 16, 2012 Home Buying in San Leandro
Yamille Koso…, Real Estate Pro in Oakland, CA
Yamille Kosowan answered:
How much are HOA?
Well, that all depends where you're buying because each condo/townhouse sets their own dues. Your Realtor can help you figure those things out, if you need property information ple ... more
0 votes Share Flag Thu Jan 26, 2012 Home Buying in Ashland
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
It's almost a month since an offer on our house, and still haven't gotten an appraisal. Agent says that's normal. Want out, anybody
What did you write the Contract for?
How strong was the Offer?
How long are the Contingencies?
Standard in Calif. is 17 days for the Loan Contingency.

Why do you have be out in 18 ... more
0 votes Share Flag Tue Nov 1, 2011 Home Buying in San Leandro
Abu Musa, Real Estate Pro in New York, NY
Abu Musa answered:
I own a condo which I want to sell so I can buy a house. Should I wait unit I sell the condo before I should start looking for a house?
If I were you I would sell first.So I could find out how much money I would be able to spent for my purchase.Thank you.
0 votes Share Flag Fri Jul 5, 2013 Home Buying in San Leandro
Tiffany Boyd,…, Real Estate Pro in Carlsbad, CA
Tiffany Boyd, Realtor answered:
How do calculate the total payoff amount of a mobile home land?
I'm not sure I understand the question. There is a mobile home, and it is on land that is being paid off? And you want to calculate what specifically? Sorry - wish I could help
0 votes Share Flag Thu Aug 4, 2011 Home Buying in Washington Manor/Bonaire
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Is a lender obligated to ask client if they want their rate locked? And what the interest rate is before locking them in?
While each lender has their own lock-in policy regarding if you need to sign a form to lock in a rate, pay a fee, etc. there is no specific disclosure or law that is required when choos ... more
0 votes Share Flag Sun Jul 3, 2011 Home Buying in San Leandro
Pacita Dimac…, Real Estate Pro in Oakland, CA
Pacita Dimacali answered:
what are typical closing costs and amt of each to purchase a condo in San Leandro?
Assumptions: $300,000 purchase price, 5% down, 5% interest convention 30-year loan, 1% loan origination fee/

Here's what it COULD look like. Only your lender and the escrow offi ... more
0 votes Share Flag Sat Jun 11, 2011 Home Buying in San Leandro
Michael Gree…, Real Estate Pro in Castro Valley, CA
Michael Greenslade answered:
What are the senior mobile home parks in San Leandro & the East Bay? Websites? Monthly rental fees per park? thanks.
In San Leandro the senior mobile home park is "Mission Bay"
Here is a link for you http://www.bsmcommunities.com/comms/missbay/index.htm

If there is anything else I can help you wit ... more
0 votes Share Flag Tue Jul 24, 2012 Home Buying in San Leandro
Alan May, Real Estate Pro in Evanston, IL
Alan May answered:
Is it unethical for a Listing Agent to set a date for bids then re-neg? She's holding another open house after receiving bids... ours was above
I'm not sure if it's unethical, but it surely doesn't sound like good business. It gives a sour taste to those who were promised that a decision would be made by April 3 ... more
0 votes Share Flag Tue May 31, 2011 Home Buying in San Leandro
Adrian Hunti…, Real Estate Pro in SAN FRANCISCO, CA
Adrian Huntington answered:
Are there any investor friendly agents in CA bay area willing to make low offers,exp. with double escrow, etc.? Contact Rita ca.property@yahoo.com
If you write an offer on a Bank Owned Property, don't expect your offer to get accepted if you write the offer more then .10% below current list. Banks will counter low offers bac ... more
0 votes Share Flag Wed Sep 19, 2012 Home Buying in 94577
Bill Eckler, Real Estate Pro in Venice, FL
Bill Eckler answered:
Buyers seem to be waiting and not in a rush to make an offer. Do you think this is the time to buy before rates get too high?
If the public had greater confidence the economy we wiuldn't feel the need to address this issue....Is buyer hesitation being caused by waiting for the market to reach the "bo ... more
0 votes Share Flag Sat Feb 5, 2011 Home Buying in San Leandro
Kevin Olson,…, Real Estate Pro in Colorado Springs, CO
Kevin Olson, Jessica Laude answered:
What to do about termites and selling?
Sell them with the house, just like a fixture.

On a serious note, you will want to disclose that it was a problem, but a problem you took steps in fixing. Disclosure protects you in ... more
0 votes Share Flag Mon Oct 11, 2010 Home Buying in San Leandro
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