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Home Buying in San Pablo : Real Estate Advice

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  • Local Info4
  • Home Buying23
  • Home Selling0
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Activity 20
Thu Dec 28, 2017
Mayorpaulmorris answered:
S.B.:

I have been a homeowner at Devon Square for going on 5 years now. I serve on the San Pablo City Council as Vice-Mayor and also serve as President of the DS Owner's Association board. Crime is little to non at the in the area and at the property and while yes, there is periodic train and traffic noise, I find it minimal because all the homes have triple-pane windows with otherwise good insulation in the house. I recently (September) had my home re-appraised at $450,000.00.

The kids from the Giant Road apartments used to be annoying, some have moved on and when anyone from there is caught trespassing, they are charged. The board recently voted to have a security patrol to address both trespassers and parking and has made all the difference.

I really love the house; it is extremely well built and I (and the legal team) recently too, negotiated a settlement on our claim against the builders for various defects at the property.

The HOA dues are relatively low at $285.00 a month.

Paul Morris.
City of San Pablo, CA
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Sat Aug 26, 2017
Kathryn Martinez answered:
Bankruptcy in 2013 but we did not go through with it we worked out the bill and paid it and now we have bankruptcy against us they dismissed it because we failed to pay the last payment and submit the final paperwork because we did not want to go through the bankruptcy anymore so we just let it go now it's on our credit score I have a score of 550 and 548 on Credit Karma can you tell me what I can do please ... more
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Sat May 20, 2017
Spost8260 answered:
I grew up and lived here on and off since 1960. I've lived here solid now for well over 30 years. Montalvin is a close knit community. Its all working class people and always has been. Usually the people who move in stay here. We tend to look out for each other. As far as gangs, I don't hear or see anything indicating we have gangs. As far as crime goes, I can day that we have less than our share. We are so tightly knit that everyone knows everything about everyone else. However, today, 2017, we are mostly Hispanic, non-English speaking. These people tend to live in a world separate from everyone else. Still, the same rules apply...we all look out for one another. We may not closely associate everyday but we all know who belongs here and who doesn't and we still are there for each other when needed. Its an old tract, from the 1950s. The streets need repair and the homes show their age. The elementary school was recently rebuilt and we are not as isolated as we once were. But come in here from the outside and you will notice that you're being watched. We do not avert our eyes from strangers like most places. For me, there is no other place to live. This always has been and always will be home. ... more
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Sat Nov 8, 2014
Kevin and Julie McLaughlin answered:
Not completely sure what you are asking... Typically "banks" do not buy short sale properties.
0 votes 1 answer Share Flag
Mon Jul 21, 2014
answered:
Shayla,
I would highly recommend that you have a mortgage professional review your credit with you.
Many low credit scores can be improved simply by paying down the balances on revolving credit cards. If you can get those balances below 50% of the high limit, you will be amazed at the results.
With 20% down payment, you very well may have enough cash to lower those balances.

If credit scores are low due to collections and charge off accounts, this is a very differenct situation.

Have a mortgage lender look at your credit and give you a road map for improvement and a game plan for purchasing a home.
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0 votes 9 answers Share Flag
Wed Apr 23, 2014
Dan Tabit answered:
First Time,
You are going to get so much advice your head will spin. Let me start out by saying all the prognosticators are going to be your biggest problem. No one knows, and those who think they do are wrong 90% of the time. The 10% who may be right, write books and become famous until their next prediction is wrong.
You should decide to buy a house when you are ready. It has more to do with you than the market. If you are ready now, have your credit, finances and job in place, buy now. If you need to attend to personal, family or relational issues before you are ready to commit to a 30 year mortgage and live in the same place for at least the next 5 years, wait.
In many areas values are going up and rates have gone up from their all time lows. This means that those who bought last year are feeling pretty good right now. I just answered a question for someone who's appraisal came in over the purchase price, they are feeling good too.
Timing the market is just dangerous and easy, when your not using your own money like your advisors.
If you think you're ready, your first step is get pre-approved with a very experienced lender. Your friend should understand if you select someone else. If he doesn't he wasn't really your friend.
Great lenders know some of the best agents. You'll need someone who is patient and enjoys first time buyers. Your questions will be many and they deserve to be answered, as many times as you need to answer them.
Good luck however you proceed and especially with the cross current of advice you'll get.
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Sat Apr 19, 2014
Robert Spinosa answered:
Kevin,

Keep looking, keep trying, keep your head on your shoulders. I have worked with many buyers in a similar situation (especially recently). If you persevere, you will prevail.

Good luck and let me know if I can help in any manner.

Rob Spinosa
rspinosa@rpm-mtg.com
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Fri Apr 11, 2014
Kevin Tran asked:
ok i have been looking everyday on sites such as realtor.com, homesnap.com.

when i look everyday but i dont see these listing?

http://www.realtor.com/realestateandhomes-detail/26…
0 votes 0 Answers Share Flag
Wed Apr 9, 2014
Cindy Davis answered:
Congrats on getting approved. Yes, FHA buyers so have a hard time competing in this strong seller's market. My recommendation would be to go after properties that have been sitting on the market a little while - perhaps less pleasing cosmetically...but less competition.

I got an fha buyer a deal last year just by calling agents with homes sitting on the market...and asking if the seller would be open to an fha offer....saved a lot of offer writing.

As far as price, each situation is different...use your buyer's agent as a guide...
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Tue Feb 25, 2014
Keith Bosworth answered:
Hello Yesenia,

There are homes available that fit your criteria.
If you are still looking to purchase a home, feel free to contact me.

Keith L. Bosworth
Arise Realty
650-376-3852
keith@ariserealty.com
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0 votes 1 answer Share Flag
Fri Jan 3, 2014
Lin Billostas answered:
I have been selling REO properties for Bank of America and have sold several of them in the
San Pablo and Richmond area.
Sewer lateral and all City Inspections needs to be cleared.
You can email me at abillostas@yahoo.com so I could submit my credentials and list of all
homes I sold in those areas.
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Sun Oct 6, 2013
The Medford Team answered:
Are you asking what the crime statistics are for Tara Gills Mobile Manor?
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Wed May 8, 2013
Al Goldberg answered:
Hi,

You can probably do it. I live in Ventura and have sold homes in Santa Paula.

Call or email me at my email address below on what you ave to do to own a home.

Thanks

Al Goldberg Broker
805-797-3862
ALYourBroker@yahoo.com
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0 votes 3 answers Share Flag
Thu Nov 22, 2012
J Mario Preza answered:
Ready, willing and ABLE, is an axiom common in the real estate arena. Although your comment says you have the money for the down payment on an FHA loan, you didn't say at what price, nor how much. Nowadays it isn't about having just the 3.5% for a down payment, it is about having that plus your closing cost -- even if you plan to ask the bank to credit or "pay" for you closing costs. I have a client who thought similarly as you seem to be implying, that they might ask the bank for that closing cost credit; we got it, but, the bank required the buyer to pay for all the expenses and then got a credit back in escrow (it is like a reimbursement for the payment being made). So, if you don't have the money that you'll need for everything, you may not be entirely "READY" or "ABLE" unless you buy a less expensive house and somehow make the money you do have (oh, and be sure you have it in the bank for at least 3 months because they'll check on that too), work for both the down payment and the closing cost -- even if and when you get that credit back from the seller. Oh, and your closing costs typically will run about 2.5 to 3.25% of the price -- with mortgage insurance and all the typical costs to purchase, points, inspections, escrow, title, pre-paid items, etc. ... more
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Thu Nov 22, 2012
Jeff Kim answered:
I agree with Dave. Contact a lender first and see where your finances can put you with respect to purchase price.

I also wanted to add that when looking for an agent, make sure you to find one that is local to the area you want to purchase. He/she will have a very good understanding of the real estate market.

Gus, you started at a great place here at Trulia. If you don't know of a local realtor, click the "find a pro" tab above and you'll get a list of ones who are experts in San Pablo!

Good luck!
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0 votes 2 answers Share Flag
Thu Nov 22, 2012
Kamal Randhawa answered:
Hello Cali,

Your credit score seems ok but there is a government program that helps even people with even lower credit scores qualify and they offer some great incentives. Please let me know if you would like more information on this program or if you would like to work with someone to start getting approved for an FHA loan.

Feel free to call or email me anytime if I can be of further assistance.
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Mon May 23, 2011
Esther answered:
depending on the area, rents are about 1300 - 1700
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Tue Jul 29, 2008
David Rivas answered:
Hate to ruin your day but all sales at a auction are final. They tell you that. Your best bet if your not willing to move in is to do the rehab that is needed and rent it or fix it and resell it. In you paperwork it should have either a settlement option or a statement that says all sales are final. This means its yours. Hopefully you got it at a good price. If you want me to do some comps for you email me or call me and I will tell you if you under paid or over paid.
The auctions really suck. Here is why. If its from that company with 4 letters in the name like R_ _ _ or something like that, buyer be whare. They advertised that the price last sold for example; 675,000 and then say opening bid is 185,000. But you never get it for that amount. Also they stage people in the audience who bid the price up until it gets to the point of what is owed on the home which maybe 625,000. So it is very diseiving. And in the thrill of the moment people over pay at a auction. I hope you didn't do that. Can a attorney save you, I doubt it, that just cost more money. Take this as a learning leason and stay away from auctions. Go to REO's which are bank owned properties or go to the court house steps after doing your research and buy homes from the bank on the court house steps. Buying foreclosed properties from the bank.
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Sun Jun 15, 2008
Dot Chance answered:
Anne, I can see how you feel "misled" in this situation. Sometimes when a listing is priced on the low side it is because the seller/bank just wants it off their books. Oftentimes the result is what you must be experiencing - a bidding war.

I know it is frustrating, but hang in there - you'll find the right house at the right price eventually!
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