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Home Buying in San Ramon : Real Estate Advice

  • All858
  • Local Info44
  • Home Buying593
  • Home Selling14
  • Market Conditions45

Activity 674
Wed Apr 26, 2017
Susie Kay answered:
No one can tell you whether it is good time to purchase or not as everyone's situation is different. What motivates you into purchasing a home? Do you need a loan or are you paying cash? If you need a loan, have you talked to a lender?

I would suggest that you pick up the phone and call a local realtor to assist you.
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0 votes 2 answers Share Flag
Thu Apr 6, 2017
Susie Kay answered:
It's up to you whether you'd like to hire an agent to represent you or not. There's always pros and cons on every transaction.
0 votes 5 answers Share Flag
Fri Mar 31, 2017
Susie Kay answered:
Well, depending upon how much the decrease is, your lender may not approve you for the loan. You may want to discuss with your lender about this then talk to the builder.
0 votes 1 answer Share Flag
Fri Mar 17, 2017
Sheryl Arndt answered:
Hello Feign.brio, you can raise the interest rate slightly and cover costs. You may also consider a lesser down payment program.

You may consider 5% down Jumbo with a minimum 720 fico score from 424k up to 1.5 million and 10% down from a minimum 680 fico score and up to 2.5 million. You will need 20% down to purchase over 2.5 million.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA or CalVet loan specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 1 answer Share Flag
Tue Feb 28, 2017
Chrisnoland answered:
The county data records determine what it is, as far as advertising is concerned, I think it depends on if it's clearly deceptive.
0 votes 15 answers Share Flag
Fri Feb 10, 2017
Deb answered:
Yes, but why would you? you probably qualify for a conventional loan with a bigger down payment, if not due to credit, you can always put down more money, FHA will just not loan more.
0 votes 14 answers Share Flag
Tue Jan 31, 2017
Valli Lopez answered:
Anil, This is my specialty. Click the link for a flyer chart on what is available for foreign buyers or non permanent residents with less than 20% down.

Valli Lopez
NMLS 980530
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0 votes 12 answers Share Flag
Wed Jan 25, 2017
Rfpsg answered:
We love your question and would love to see the industry respect our time enough to charge by the hour. I think the best answer is, most people are not willing to pay us by the hour, since we spend countless hours on each transaction. It really doesn't make sense, since our industry is highly regulated, need to keep training and learning and we are sharing in decision making that effect hundreds of thousands if not millions of dollars for our clients, I calculated that we make an average of $30 a day when you factor in all the hours we spend in front and behind the scene of each transaction. Our 3% commission is reduced greatly when you factor in all our out of pocket expense, (we are independent contractors and pay for all our own expenses), and time needed to do an excellent job for our clients. As a buyer you don't even pay our commission until your sell, so buyers get our expertise and time for free! Our industry has a misconception that we make a huge amount of money per transaction, but in actuality it is more like 1% of the sales price regardless of how much time we have spent. That is due to our dues, split with the broker and the other side of the transaction. You really have to love what you do to be a realtor! ... more
1 vote 80 answers Share Flag
Wed Nov 2, 2016
Fzate answered:
I'm selling a property in the Bay area. I felt that the buyers are very aggressive and are harassing us to pay for the contingencies. The buyers' agent even called our electrician (who we asked to give a quote) pretending that she is the owner and demanded that the electrical panel be changed. Can we (sellers) cancel the purchase contract now that we complained and now that they removed all contingencies? ... more
0 votes 17 answers Share Flag
Tue Sep 6, 2016
Alexander Greer answered:
It is always a personal choice and differs for each individual based on their own life. Some people buy now and some people wait for the summer months. If you are posting about it, it sounds like you are ready to purchase.

Alex Greer
Loan Officer
NMLS #1056079
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0 votes 3 answers Share Flag
Mon Sep 5, 2016
Susie Kay answered:
I would suggest that you pick up the phone and call a local realtor to assist you. I still have relatives living in Tri Valley. From what they describe one can make a conclusion that it's a hot housing market there. ... more
0 votes 1 answer Share Flag
Sat Sep 3, 2016
Karthik.bandi asked:
I received NHD reports for the home I have contingency on. It shows that it is in the Alquist-Priolo zone. We like the home a lot and it's a great neighborhood with great homes, but have…
1 vote 0 Answers Share Flag
Sat Jun 18, 2016
Jdavid answered:
I certainly wouldn't buy a house with a fire hydrant in the front or back yard. Can't imagine one being in the backyard though unless there is an alley. While I agree that its nice to know that there is access to water in case of a fire, having one in front of a house limits the parking space because you can't park within 15 feet of a fire hydrant. Not to mention that it's an eyesoar ! If it doesn't devalue the home I would be surprised ! ... more
0 votes 9 answers Share Flag
Sat Mar 12, 2016
Ryanmillerloanfirm answered:
Hello, Dear Loan Seekers am Mr John Evans from United State of America (USA) i have been searching for a loan for more than 1 year
and all lenders i have get in touch with have rip me off more than $1,500.00, i thought there is no way i can get a loan online not on till the day a friend of mine called James Butler direct me to a legit
and genuine loan lender called Mr RYAN MILLER who lend me a loan of $100,000.00 at an interest rate of 3%, am a happy man today
and i promise my self that i will keep posting online about the good thing that Mr RYAN MILLER has done in my life if you need a loan contact him today (
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0 votes 15 answers Share Flag
Sat Mar 12, 2016
Bradley Reese answered:
The difference you would have to pay for just for the delta on the appraised value vs, the contract value is $15,000 as the Purchase Price is $400,000 and the appraised value is $385,000. Also, the $10,000 you were putting down still is in play as well so you would have your original $10,000 plus the appraisal underage of $15,000. Looks to me like you would be looking at a total down payment of $25,000 which reflects the $10K + the $15K. Hope that helps and makes sense! If I may be of further assistance or represent you in the purchase or listing of a home, I am just a call away @ (661) 331-9090 or ... more
0 votes 14 answers Share Flag
Wed Dec 23, 2015
Arpad Racz answered:
Hi Jenny,

I would agree with Susie. It is tough to predict the market with any certainty.

Kind regards,

0 votes 4 answers Share Flag
Mon Dec 21, 2015
Claudia Muller answered:
For a lender a condo v. townhome is important.
If the legal description states it is a condo, the development needs to be approved by FNMA or FHA and VA.
If the legal description does not state 'condo', then the development will not need be approved by the above entities.
The lender will not be concerned with owner occupancy or whether or not the development is in current litigation.
The HOA fees are generally less than a condo as the townhome owner is responsible for more of their property than a condo owner.
The condo owner owns its own 'air space', but shares the land equally with all other condo owners.
In a town house (non condo), how much property and common area space will be different for each development.
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0 votes 3 answers Share Flag
Thu Sep 10, 2015
Mike Sears answered:
Hi Ns_n2,

My Name is Mike Sears and I am a Realtor who not only works in the San Ramon area but I also live in San Ramon myself. I would love to talk with with you a bit and answer any questions you may have about the San Ramon housing Market or any of the surrounding areas as well.

Please feel free to contact me anytime and I would be happy to help.

Mike Sears
Berkshire Hathaway HomeServices - Drysdale Properties
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0 votes 4 answers Share Flag
Tue Jul 21, 2015
Arpad Racz answered:

I know one in the San Jose area, but am unsure if they travel out of the area. Please email me directly if you don't find anyone, and I can forward their information.

Kind regards,

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0 votes 4 answers Share Flag
Sat Jul 18, 2015
Sheryl Arndt answered:
Hello seafoodfriedrice, your qualifications will be determined by your credit profile, debt to income ratios, fico scores and how much you want to invest into the down payment and closing costs. If you have credit issues, your credit scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

You may qualify to buy FHA with fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or even as low as .5% half percent down payment program. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI).

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve you can be emailed listings to fit your search criteria.

You will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. It only takes a few dozen questions to qualify, go over your options and email you listings to study and compare. Here are some links to study as well as web reference links to many loan program pages offered...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ Years Experience
BRE# 01140252
NMLS# 297251
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7 or

If my response was helpful, consider clicking Thank, Link or Best Answer.
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