You should lock your interest rate when you are satifsfied with the rate.
Rates go up and down (lately as many times as two-three times a day).
If you are comfortable with the rate being quoted, you should take it.
I would suggest, timewise, to start considering your rate lock about 20 days before you close. You will need to be locked when the documents are requested.... more
San Francisco's panhandling and puppies program aims to tackle two issues plaguing the California city: homeless beggars, living hand-to-mouth, and the influx of 500 dogs brought to animal control in 2011. A new city program plans to put both to good use.
San Francisco plans to pair ex-panhandlers with puppies in a program called WOOF- Wonderful Opportunities for Occupants and Fidos. In exchange for homeless folks to give up panhandling, they will receive housing and a small stipend of around $50 to $75 a week. They would also take care of puppies while doing so, giving them valuable skills.
"Ultimately we want to see people live purposeful and full lives, and this is a step in the right direction," Bevan Dufty, director of Housing Opportunities, Partnerships, and Engagement, told the San Francisco Chronicle.
The plan to curb the city's aggressive panhandlers also requires potential participants to undergo a screening beforehand to prove they aren't deranged or hoarders. After that, they receive training in animal care and job skills, the puppy, dog food, leashes, access to a veterinarian, and their incentive in the form of a stipend.
"This comes out close to what they'd be bringing in panhandling," Rebecca Katz, San Francisco director of animal care and control, told The Atlantic.
The project became a possibility with a $10,000 private donation; from there, Katz and Dufty's brainstorm provided a way for the homeless to make social connections and gain job skills.
Find current market listings- (415) 583-3535 or email me your question email@example.com... more
I would say that most are a scam. I still see agents advertising like that.
The primary 'no money down' option is for Veterans with the VA. There are some zero down loans tied to rural areas ...
For most folks however, the easiest way in is through FHA...these loans require 3.5% down...and it's still a good idea to have some of your own closing costs, as well as some saavings.
Here is the link to the FHA to learn more: http://www.fha.com/... more
Like the rest of SF right now, the Haight's real estate market is hot. Homes are making it through one, maybe 2 showings, before accepting offers and offers are almost always above asking. It's an area that's highly desirable for it's shops, restaurants, and proximity to parks (Buena Vista, Panhandle, Alamo Square, Golden Gate (obviously)). I'd say that going forward, prices will continue to appreciate for all of the aforementioned reasons, but also, because several of the "tech buses" (Google, Apple, etc.) have stops in the Haight, making it desirable for those who work on the peninsula.... more
The answer to this question is very subjective. It depends what sort of lifestyle you want to lead. Personally I'm not a fan of the Haight. It's foggy and has a lot of grungy people hanging out. SOMA has less of a neighborhood feel but the weather is a lot better, you're walking distance from tons of restaurants and bars as well as many different neighborhoods. North Beach is nice but you have a lot of bridge and tunnel crowd there and getting anywhere south from there is time consuming and annoying.
I would spend some time in all these neighborhoods and decide. The mission is also a great place. Good weather, centrally located, and lots of bars and restaurants... more
The haight is a great central location, literally, in the center of the city. It's also close to several parks and has tons of shops and restaurants that are walkable. I also find public transportation readily available in this area and while there is a bit of tourism right at Haight and Ashbury, it has a neighborhood-y vibe due to the fact that it's comprised of almost all locals. Not like North Beach, my old 'hood.... more
There is a slightly higher population of homelessness in the Haight so, compared to some other neighborhoods, it may be considered less safe. However, I would not at all consider the Haight a dangerous neighborhood. As long as you take common sense precautions-- lock your car, don't hang around the parks alone at night, and generally, just be mindful of your surroundings, it is a perfectly safe neighborhood.... more
This can get very touchy because most leases will state that if not renewed at expiration the lease will auto-renew on a month to month basis until there is something else in writing between the landlord and the tenant. Refer to your lease to see what it says about this situation, and if there is nothing in there you need to contact the landlord ASAP to ensure both of you are aware of what is expected.... more
This is the status of senior tenants and long standing or disabled or ill tenants in cities that have Rent Control, like San Francisco, Oakland, and Berkeley. The tenants, essentially have a "life estate" under rent control. This is what prompted Proposition 98 which will be on the ballot this year. Prop 98 says that these kind of rent control rules are "takings" - it takes the use and disposition of private property without the owner's consent. Please consider voting for it.... more