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- 32 Answers
- 6 First Answers
- 8 Useful Answers
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About Me
Born and raised in real estate, I bring nearly three decades of experience to work for you! A strong negotiator and brilliant marketer, I work both hard and smart to get your home sold and/or to get you into a new home. A West Coast native, I have lived in the Bay Area off and on since the early 80's and the past eight years in San Francisco. In my spare time, I enjoy local jaunts to Sonoma and Healdsburg and further sojourns to New Orleans and Roatan. I also enjoy wine-tasting, listening to live Blues music, attending the Symphony and volunteering at Glide. My San Francisco family consists of two cats, Minnie and Maxx and one bird, Cabo.
Areas of Expertise
Having lived in the North End of San Francisco for close to a decade, I am intimately familiar with Nob Hill, Russian Hill and North Beach as these are the neighborhoods I live, work, play and own property in.
I also work extensively with first-time home buyers and investors. To me, working with first-time buyers is very gratifying. I strongly believe that buying a first home is the most important financial investment that one ever makes. Studies have found that homeowners have significantly more wealth than non-homeowners. Helping a friend realize the American dream of home ownership is one of the great pleasures of my career.
I am also short sale savvy and knowledgeable about preforeclosure and foreclosure (REO) property. Check out my website for more info on these topics. http://www.ShortSaleSanFrancisco.com
Building value through brains or sweat equity by buying a property with potential such as a fixer or short sale is a great opportunity as well. Having fixed up three properties--I'm on my fourth--I know the value that remodeling can add to a real estate investment. Even buying raw land in the path of progress (another great investment I have made) can have tremendous upside potential.
My clients have different motivations for their purchase of San Francisco real estate. As someone with a lifetime of real estate knowledge and experience, it is my chosen career to help those who choose to make their dreams come true and fortunes increase with the careful selection and negotiation of real estate--terra firma!
Testimonials
"Rebecca White was chiefly responsible for making my dreams come true for home ownership. She expertly guided me through the process, making the experience easy, successful and fun!"
Paul Deaver, Merck Vaccine Division
"Our friend for seven years and now our Realtor, Rebecca helped us buy a wonderful home with room for our extended family. She was patient and knowledgeable and provided excellent service that exceeded our expections. We will use her services again and highly recommend her to everyone."
Mai Pham, Owner Mi-Ni Nails and Lapsan Ley, The Bagel Hole
"I'm thrilled at how everything is going and we really appreciate that you're on top of every little detail. That's what we were hoping for when we found you so thank you for being that for us. This really is a complicated and daunting process and for us, you are a godsend!"
Brian (A Short Sale Listing Seller)
Areas of Expertise
Having lived in the North End of San Francisco for close to a decade, I am intimately familiar with Nob Hill, Russian Hill and North Beach as these are the neighborhoods I live, work, play and own property in.
I also work extensively with first-time home buyers and investors. To me, working with first-time buyers is very gratifying. I strongly believe that buying a first home is the most important financial investment that one ever makes. Studies have found that homeowners have significantly more wealth than non-homeowners. Helping a friend realize the American dream of home ownership is one of the great pleasures of my career.
I am also short sale savvy and knowledgeable about preforeclosure and foreclosure (REO) property. Check out my website for more info on these topics. http://www.ShortSaleSanFrancisco.com
Building value through brains or sweat equity by buying a property with potential such as a fixer or short sale is a great opportunity as well. Having fixed up three properties--I'm on my fourth--I know the value that remodeling can add to a real estate investment. Even buying raw land in the path of progress (another great investment I have made) can have tremendous upside potential.
My clients have different motivations for their purchase of San Francisco real estate. As someone with a lifetime of real estate knowledge and experience, it is my chosen career to help those who choose to make their dreams come true and fortunes increase with the careful selection and negotiation of real estate--terra firma!
Testimonials
"Rebecca White was chiefly responsible for making my dreams come true for home ownership. She expertly guided me through the process, making the experience easy, successful and fun!"
Paul Deaver, Merck Vaccine Division
"Our friend for seven years and now our Realtor, Rebecca helped us buy a wonderful home with room for our extended family. She was patient and knowledgeable and provided excellent service that exceeded our expections. We will use her services again and highly recommend her to everyone."
Mai Pham, Owner Mi-Ni Nails and Lapsan Ley, The Bagel Hole
"I'm thrilled at how everything is going and we really appreciate that you're on top of every little detail. That's what we were hoping for when we found you so thank you for being that for us. This really is a complicated and daunting process and for us, you are a godsend!"
Brian (A Short Sale Listing Seller)
Testimonials
""I'm thrilled at how everything is going and we really appreciate that you're on top of every little detail. That's what we were hoping for when we found you so thank you for being that for us. This really is a complicated and daunting process and for us, you are a godsend!"
(a short sale listing seller)"
Brian Wed Mar 19
Brian Wed Mar 19
""Rebecca White was chiefly responsible for making my dreams come true for home ownership. She expertly guided me through the process, making the experience easy, successful and fun!""
Paul Deaver Fri Apr 18
Paul Deaver Fri Apr 18
My Q&A
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Rebecca White's Questions (0)
Rebecca White's Answers (32)
Rebecca White answered:
Hi John,
The most important item is getting a lender who will work with the VA. Almost as important is finding a house that will qualify in terms of both condition and price.
I located two houses on Randolph so am not sure which one you mean (92 or 618). Assuming that you mean the one in San Francisco, it is a short sale and subject to lender approval. As the VA requires the seller to pay most of your closing costs, it depends mostly if there is a better offer or not.
You could always offer higher to make sure that your offer is better (in price) but then the property has to appraise. Plus an offer with a larger down-payment could beat yours. There are many variables.
Looks like a nice house—from the few photos—it is tenant-occupied so requires an appointment to see it.
My last bit of advice is not to listen to a lot of people from out of the area unless it is very general advice. If an agent is NOT a member of SFAR (San Francisco Association of Realtors), it is very difficult for someone out of The City to write an offer here. (I got mad when a friend told me this 15 years ago before I moved here so I expect to incur wrath—but it is true.)
Good luck!
Rebecca
The most important item is getting a lender who will work with the VA. Almost as important is finding a house that will qualify in terms of both condition and price.
I located two houses on Randolph so am not sure which one you mean (92 or 618). Assuming that you mean the one in San Francisco, it is a short sale and subject to lender approval. As the VA requires the seller to pay most of your closing costs, it depends mostly if there is a better offer or not.
You could always offer higher to make sure that your offer is better (in price) but then the property has to appraise. Plus an offer with a larger down-payment could beat yours. There are many variables.
Looks like a nice house—from the few photos—it is tenant-occupied so requires an appointment to see it.
My last bit of advice is not to listen to a lot of people from out of the area unless it is very general advice. If an agent is NOT a member of SFAR (San Francisco Association of Realtors), it is very difficult for someone out of The City to write an offer here. (I got mad when a friend told me this 15 years ago before I moved here so I expect to incur wrath—but it is true.)
Good luck!
Rebecca
Rebecca White answered:
Each REO asset manager is different and has her own formula to use. In general, the bank/seller will not pay for anything specific such as a pest inspection, home warranty, etc. However, most of the ones that I have dealt with do pay the title and escrow costs as they choose whom to use and/or will give the buyer a 3% credit to pay for everything else.
Having an inspection done is like having an insurance policy. It protects you from buying a major problem or allows you to re-negotiate the contract. You’re not stuck buying something that is too much work but you are out the money.
Sometimes, like karma, it comes back to you. The next house that you buy someone else has already done all of the inspections and you have access to that info without paying for it.
Having an inspection done is like having an insurance policy. It protects you from buying a major problem or allows you to re-negotiate the contract. You’re not stuck buying something that is too much work but you are out the money.
Sometimes, like karma, it comes back to you. The next house that you buy someone else has already done all of the inspections and you have access to that info without paying for it.
Rebecca White answered:
Why were you given a 3-day notice? There are very limited reasons to give a 3-day notice, such as non-payment of rent or selling drugs. Assuming that you weren't doing anything illegal, this is harassment. Why were the others given 30-day notices? Unless this is agreed to in writing as part of the lease beforehand (I went through this myself a few years ago), that action is also wrong.
Have you talked to the other tenants? Maybe you should all get together and talk to an attorney. Intimidation and retaliation are wrong. It will cost, but I would an attorney. You might even be able to get him out!
I would also contact the property owner and let him or her know what is going on. I think that they aren’t supposed to allow this to go on and could ultimately be liable or could help you get rid of the bad guy. If the master tenant got sued for punitive damages, the landlord would be glad to be rid of the problem so that he wouldn’t be losing out on rent money that might rightfully be hers/his.
It sounds as if things are getting worse. GET AN ATTORNEY!
Good luck,
Rebecca
Have you talked to the other tenants? Maybe you should all get together and talk to an attorney. Intimidation and retaliation are wrong. It will cost, but I would an attorney. You might even be able to get him out!
I would also contact the property owner and let him or her know what is going on. I think that they aren’t supposed to allow this to go on and could ultimately be liable or could help you get rid of the bad guy. If the master tenant got sued for punitive damages, the landlord would be glad to be rid of the problem so that he wouldn’t be losing out on rent money that might rightfully be hers/his.
It sounds as if things are getting worse. GET AN ATTORNEY!
Good luck,
Rebecca
Is this in a San Francisco rent-controlled property? Is your sub-lease legal? As in does the landlord know about it?
If the so-called master tenant doesn’t legally have the right to sub-lease, he could be in trouble with the property owner and you may have no rights.
Or you could be co-tenants, and as such, you are sharing the entire home. Usually one has rights to a certain area but if it isn't clearly defined and spelled out, and/or if you knew about this before--that he had to access "your" area to do his laundry, you may or may not have a lot of recourse.
Unless you are saving a lot of money with this arrangement, you should get out if you value your privacy and don’t like living in a commune.
Bottom line, talk to an attorney. Then, knowing your rights—if any—approach your roommate in an amicable manner and try to work things out. Maybe he does laundry only on Saturdays at noon? Or goes to a Laundromat? Or he pays you for access? Or lowers your rent? Or you move…
If the so-called master tenant doesn’t legally have the right to sub-lease, he could be in trouble with the property owner and you may have no rights.
Or you could be co-tenants, and as such, you are sharing the entire home. Usually one has rights to a certain area but if it isn't clearly defined and spelled out, and/or if you knew about this before--that he had to access "your" area to do his laundry, you may or may not have a lot of recourse.
Unless you are saving a lot of money with this arrangement, you should get out if you value your privacy and don’t like living in a commune.
Bottom line, talk to an attorney. Then, knowing your rights—if any—approach your roommate in an amicable manner and try to work things out. Maybe he does laundry only on Saturdays at noon? Or goes to a Laundromat? Or he pays you for access? Or lowers your rent? Or you move…
Rebecca White answered:
Maybe yes and maybe no. It all depends on the condition of the property. With FHA loans, the properties have to be habitable and finance-able. Many of the REO's that I have seen are neither and will NOT qualify.
If there is no floor covering, or the copper pipes have been ripped out and/or the cabinets/plumbing/whatever are trashed/destroyed/stolen, you probably won't get a loan. (Unless you can be real creative with a contractor who will do repairs almost simultaneously with closing and/or wait to get paid.)
Or you can pay for work to be done prior to closing but it is very risky and I don't recommend it.
Many people whose homes have been foreclosed on are very upset and what they don’t destroy or steal, the vandals and crack addicts will.
In my opinion, you are better off buying a short sale or a closeout of a new building. If you really want an REO, most of the foreclosed condos in this City are in better condition and better locations than single-family houses. (For example, there are some great deals on some Civic Center and SOMA condos currently—REO’s, short sales and brand-new.)
Get qualified with a lender and find out exactly what the criteria are for the house to qualify for a loan before you start looking.
I have had several transactions fall out of escrow recently due to loan problems--some relating to the condition of the property.
Go in with your eyes wide open!!
If there is no floor covering, or the copper pipes have been ripped out and/or the cabinets/plumbing/whatever are trashed/destroyed/stolen, you probably won't get a loan. (Unless you can be real creative with a contractor who will do repairs almost simultaneously with closing and/or wait to get paid.)
Or you can pay for work to be done prior to closing but it is very risky and I don't recommend it.
Many people whose homes have been foreclosed on are very upset and what they don’t destroy or steal, the vandals and crack addicts will.
In my opinion, you are better off buying a short sale or a closeout of a new building. If you really want an REO, most of the foreclosed condos in this City are in better condition and better locations than single-family houses. (For example, there are some great deals on some Civic Center and SOMA condos currently—REO’s, short sales and brand-new.)
Get qualified with a lender and find out exactly what the criteria are for the house to qualify for a loan before you start looking.
I have had several transactions fall out of escrow recently due to loan problems--some relating to the condition of the property.
Go in with your eyes wide open!!
Rebecca White answered:
Hello Jan,
Generally if you are looking at Trustee Sale Notices or a service such as RealtyTrac, you are looking at default amounts—and only on that particular loan. There could be HOA liens, garbage liens and/or unpaid taxes.
Having been to the “Courthouse Steps” and working both pre-foreclosures (short sales) and REO’s (foreclosures), my advice is NOT to buy at an auction unless you really know what you’re doing. It is unlikely that you will even see the property and many people getting foreclosed upon trash their homes and remove every item of value—or vandals do!
Buy BEFORE or AFTER—not during.
Rebecca
Generally if you are looking at Trustee Sale Notices or a service such as RealtyTrac, you are looking at default amounts—and only on that particular loan. There could be HOA liens, garbage liens and/or unpaid taxes.
Having been to the “Courthouse Steps” and working both pre-foreclosures (short sales) and REO’s (foreclosures), my advice is NOT to buy at an auction unless you really know what you’re doing. It is unlikely that you will even see the property and many people getting foreclosed upon trash their homes and remove every item of value—or vandals do!
Buy BEFORE or AFTER—not during.
Rebecca
My Listings
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Specialties
First-time Buyers
Short Sales
Short Sales
Experience
Latest:
Realtor for Keller Williams Realty
March 2006—present
Previous:
Sales Associate for MidPacific Real Estate
January 2005—March 2006
Previous:
Regional Marketing Director for Trendwest Resorts
January 2003—January 2005
Previous:
Corporate Sales for Trendwest Resorts
May 2000—December 2002
Previous:
Assistant Sales Manager for Sunterra Pacific
September 1998—January 2000
Certifications & Awards
GRI
Interests
Travel
Water Sports
Wine-tasting
Live Music Events
Summer Street Fairs
Fine Dining
Cultural Activities
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