Daly City : Questions & Answers

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David 'TAP'…, Real Estate Pro in Burlingame, CA
David 'TAP' Tapper answered:
I am an oversea citzen in Hong Kong but I have relatives living in San Francisco.
Hello Nympoon,

If you don't show your income here in the U.S. It might be difficult for you to get a loan here. Maybe you can supply the down payment money to your relative and they ... more
0 votes Share Flag Wed Jan 30, 2013 Financing in Daly City
Cal Caylor, Real Estate Pro in 75044
Cal Caylor answered:
How long do I have to live in a home originally purchased and financed as home-owner occupied before renting it out?
I would not notify the mortgage company. You bought it as an owner occupant - it is your house you can rent it out anytime you want. I am not sure about yoursecond question. My guess wo ... more
0 votes Share Flag Sun Oct 28, 2012 Home Buying in 94014
David 'TAP'…, Real Estate Pro in Burlingame, CA
David 'TAP' Tapper answered:
Any reason why I shouldn't buy near West Lake Terrace and West Lake Palisades?
The reason the homes are less expensive there is because of the weather you just mentioned and the schools. If you can live with the dampness, they are great bargains with relation to h ... more
0 votes Share Flag Wed Jun 27, 2012 General Area in Daly City
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Has anyone had any success with HARP (yet)?
Loan Modification
Here is some information that might start you on your way to understanding what’s going on with Refinancing, Loan Modifications and in particular, Obama†... more
0 votes Share Flag Fri Mar 2, 2012 Foreclosure in 94014
David 'TAP'…, Real Estate Pro in Burlingame, CA
David 'TAP' Tapper answered:
Someone on my section 8 lease went and signed another lease to live before our lease expired. Should I report this to Section 8?
ASAP. You could lose out on your benefit if you do not do so.

Tap
0 votes Share Flag Wed Feb 22, 2012 Rentals in Daly City
Michael Abram, Real Estate Pro in Los Angeles, CA
Michael Abram answered:
I have a conventional mortgage and I'm underwater. My LTV ratio is 115%. Can I qualify for a refi? Thanks.
It is possible to qualify up to 125% on a Fannie or Freddie relief loan, but your loan has to be serviced by a particular lender. Otherwise, most lenders will cap the qualification at ... more
0 votes Share Flag Sat Jul 7, 2012 Financing in 94015
Walter 'Skip'…, Real Estate Pro in Brea, CA
Walter 'Skip' Kersten answered:
REO deal isn't closing per seller's hold, we're racking up loan extension fees. Can REO pay?
Hi Manda,
Please review the bank addendum you signed when your offer was accepted. It will lay out what the bank is liable for if they cannot deliver title.
Good luck,
0 votes Share Flag Tue Feb 7, 2012 Foreclosure in Daly City
Ron Kahn, Real Estate Pro in San Mateo County, CA
Ron Kahn answered:
H1 status, and i make 60000k /years, what types of fiancing out there right now that will suitable for my status?
Good evening Raylan,

The answer to your question requires more information than just income. You need to take into consideration what you might owe such as car loans, credit card de ... more
0 votes Share Flag Tue Mar 19, 2013 Financing in 94015
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
closing escrow on a short sale in a few days. want to know legal rights if owner has not vacated property at the close of escrow
It's in your best interest that the property be vacated by closing day; for any legal rights you may have, it's best to consult with an attorney who specializes in real estate ... more
0 votes Share Flag Wed Mar 6, 2013 Home Buying in 94015
Marge Bennett, Real Estate Pro in Fort Myers, FL
Marge Bennett answered:
Percentage of Down Payment
3.5% is what is required for FHA. There are USDA loans that are 0 down, but those are in rural areas. 20% down will let you avoid PMI.
0 votes Share Flag Thu Jan 19, 2012 Home Buying in 94015
Ann Ryan, Real Estate Pro in 33178
Ann Ryan answered:
Landlord lost ownership of apartment to bank, Now getting evicted. HELP
Even if $2000 is not enough, it may be better than nothing. See the link below for more information, or consult a lawyer.
0 votes Share Flag Sun Jan 1, 2012 Foreclosure in Daly City
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
buy home
Please explain your question.
0 votes Share Flag Tue Oct 18, 2011 Home Selling in 94015
David 'TAP'…, Real Estate Pro in Burlingame, CA
David 'TAP' Tapper answered:
Relocating to the Penninsula Area.
Welcome to the Bay area. You should do one of three things. Check Craigslist, contact property management companies or work with a local Realtor in the area.

If you need a referral t ... more
0 votes Share Flag Mon Aug 8, 2011 Rentals in Daly City
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Hi! I need help in getting info on my the house i'm living in now, after my mom's death I don't know what happened or under whose name
You really need to meet with an attorney, most do not charge for the first meeting so you can get some direction. You will need to a title search to look at the deed and check ownership ... more
0 votes Share Flag Thu Mar 1, 2012 Foreclosure in 94014
Eric Gee, Real Estate Pro in Daly City, CA
Eric Gee answered:
We are empty nester professionals with a small bichon frishe (well behaved). Looking for a 3-4 bedroom home to rent long term in safe area-advice?
Have you been on craigslist yet? I know a lot of landlords will put on ads "no pets" but some may change their mind once they meet you and your pet. This was the case for my fiance and ... more
0 votes Share Flag Fri Dec 20, 2013 General Area in Daly City
FHA 203k Mor…, Real Estate Pro in California
FHA 203k Mortgage Lender answered:
Can my buyer get a loan on REO property that are missing all appliances and light and bathroom fixtures (shower head, bath tub)?
Yes, with an FHA 203k loan a property can be financed in it's "As Is" condition.

Best of luck on your REO property.
0 votes Share Flag Tue Apr 26, 2011 Financing in Daly City
Gilbert Rich…, Real Estate Pro in Santa Clara County, CA
Gilbert Richards answered:
I rented an in-law unit in Daly City & part of the contract incls. water, garbage, sewer & PGE; the owner forgot to pay the water bill &
Usually you can get the water bill in your name and deduct it from the monthly rent you pay.
0 votes Share Flag Sun Mar 10, 2013 Rental Basics in Daly City
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
I have been here for more thanI a year and have only one W2 I will like to put down 60% of $500000 down will I be qualify for the mortgage?
Visit with any qualified loan officer(s), after reviewing your overall financial information, credit, debt, etc., he/she can make a determination on qualification; if you don't yet ... more
0 votes Share Flag Wed Jul 6, 2011 Home Buying in Daly City
Helen Chong, Real Estate Pro in San Jose, CA
Helen Chong answered:
I am renting an in-law unit in Daly City. When I called comcast they said that the address does not have an in-law. Where can I see if this is legal.?
You can go to the city hall and ask for Planning and Development department. Ask for all the permits record of the address and you can see if there was a permit pulled to build this in- ... more
0 votes Share Flag Tue Mar 15, 2011 Rental Basics in Daly City
Brent Kluge, Real Estate Pro in District of Columbia
Brent Kluge answered:
FHA vs. Property disclosures / termite inspection
Currently, the only requirement for a termite report for an FHA loan, is when the Appraiser calls for it. However, if there is ANYTHING in the loan file that shows a need for treatment ... more
0 votes Share Flag Mon Feb 7, 2011 Financing in Daly City
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