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94555 : Real Estate Advice

  • All56
  • Local Info8
  • Home Buying28
  • Home Selling9
  • Market Conditions1

Activity 51
Mon May 15, 2017
Deshmukhsanjay802 answered:
VASANTRAO DESHMUKH NAME OF OWNER
0 votes 49 answers Share Flag
Thu Dec 22, 2016
Maricris A answered:
Hello,

To see who is the current owner of the property, you may check it on the county record where the property is part of.

Regards,

Maricris
Consumer Care Advocate
0 votes 1 answer Share Flag
Tue Oct 18, 2016
Rich Reed answered:
I often see requests for owner information posted in public forums. Owner information is usually available in person from County Assessor District Offices. The California Public Records Act, Government Code Section 6254.21, protects privacy, particularly of elected and appointed officials. Since we don't know if the owner might be a protected individual, Realtors should not publicly post their information. Realtors generally have easy access to owner information, but without an actual client relationship with a specific need to know, it would be irresponsible to give out owner information. ... more
0 votes 2 answers Share Flag
Sun Oct 2, 2016
CA_Buyer answered:
some more details : If I decide to go ahead with the home, and later discover it is not permitted, can the seller be asked to pay for the correction?
0 votes 1 answer Share Flag
Sat Aug 6, 2016
Rich Reed answered:
You're asking how to find an owner in Australia? In a California forum post? Really?
0 votes 1 answer Share Flag
Tue Dec 1, 2015
Crawfordangela65 asked:
Mon Jul 20, 2015
Sunil Sethi answered:
I just closed on a condo for $880,000, and a smaller one last week at $550,000. Need to know what you have to tell you what it's worth. Call me when you have time to discuss.

-Sunil Sethi
Fremont, REALTOR
www.sunilsethi.com
... more
0 votes 4 answers Share Flag
Sat May 16, 2015
Charo Bhatt answered:
Hi Jen,
Hope you found ways to sell your house own your own. Majority of 'FSBO" it's For Sale By Owners end up listing their homes with Realtors. The number one reason the home sellers want to list by themselves is they want to save Realtor's commissions. But honestly selling a home is not that simple. It's a complex, legal and scientific method must be done carefully to stay away from any legal matters and have peace of mind.
Following are some of the steps of selling home...

1. Finding a qualified buyers
2. Negotiating price and terms
3. Having the legal contract signed
4. Opening an escrow for title insurance/clearance
5. Lender to appraise your property (It may not appraise for amount of the contract price)
6. Lender to approve buyers for the loan amount(Buyers must meet all lender's conditions)
7. Contract contingency time
8. Buyers may walk away from the deal in the contingency time
9. Buyers give you less sales price, they too know you are trying to save commissions.
Buyers would like to save half of your commission’s money
10. Required all disclosures
11. Inspections
12. Other mandatory reports etc.
13. Follow up with Title Company
14. Who will be on your side to hold your hand in case something goes wrong?

If you give the job of selling your home to your local Licensed Real Estate Broker, after interviewing at least three agents, they may get your commission back by getting more money for your property and don't have to deal with strangers.

As other agents suggested you can list your home on Zillow for Sale by owner. Remember,
you may get more calls from Realtors than buyers.

Wish you good luck,

Charo Bhatt
510-381-2105
www.HomesByCharo.com
... more
0 votes 4 answers Share Flag
Mon Apr 20, 2015
Sheryl Arndt answered:
Hello Boris, what is your mortgage questions to answer? The purchase in 94555 zip code of Fremont start from 418k which is as low as $2,090 down payment with a minimum 580 fico score.

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. Your email address is needed to set you up for the automatic daily updates.

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 as low as .5% half percent down payment program. You may consider 3% down conventional from a minimum 620 fico score.

You will need to be pre-approved if you decide to buy to be able to meet an agent to view and submit offers on any homes of your choice. Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, home price, loan program and how much you want to invest into the down payment and closing costs.

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
760-486-4225
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
http://youtu.be/MrygA2_8fAY
http://www.trulia.com/profile/SherylArndt

If my response was helpful, consider clicking Thank, Link or Best Answer.
... more
0 votes 1 answer Share Flag
Mon Dec 22, 2014
Bryan Horn answered:
Wells Fargo and I have a 10% down jumbo loan with no mortgage insurance. Feel free to call or text 858-805-5347

Best regards,
Bryan
0 votes 9 answers Share Flag
Sun Sep 7, 2014
Huey Nguyen answered:
Hello maescoupon,

Yes, if you sign as a co-borrower to a home, this will be a debt on your credit report affecting your ability to purchase a home of your own in the future.

There are rules and regulations used by banks to qualify as a first-time homebuyer. I know of one lender that qualifies first-time home buyers as people who have not purchased a home within the last 3 years... you should speak to a loan officer to discuss different disadvantages, advantages, and requisites of being a first-time home buyer and being a co-borrower now before becoming a co-borrower on a home loan.

Good luck,


Huey Nguyen
... more
0 votes 5 answers Share Flag
Mon Jul 28, 2014
Huey Nguyen answered:
Hello cmanion,

Your agent and escrow officer should be working on this matter for you, because it COULD delay closing.

However, I have had many sellers in the same situation, and it's worked out fine. Please have your escrow officer and Realtor talk to your HOA and make sure that the HOA knows that the deficiency or amount owed will be paid off at the close of escrow. That way, the HOA will know that you are working on the issue. The HOA might then be more willing to slow down the process of putting a lien on the home, etc...

Once your escrow officer orders the HOA sales package, your escrow officer should have a demand from the HOA that addresses this matter, the amount owed, etc. You will be able to see what the HOA needs to have done/completed or paid before closing by that document.

If it is something that is bothering you, I encourage you to talk to your Realtor and to your escrow officer and to ask for a copy of the HOA demand as soon as this item is available. Your escrow officer and Realtor should know how to proceed after receiving this document.


Good luck,



Huey Nguyen
... more
0 votes 4 answers Share Flag
Sun Jul 27, 2014
Ali Qureshi answered:
For this reason, It is always recommended to perform all inspections before you purchase a house.
0 votes 5 answers Share Flag
Fri Jul 25, 2014
Ali Qureshi answered:
Market is different. There is no best or worst time to buy. Buy when you feel the time is right for you.
0 votes 9 answers Share Flag
Thu Jul 24, 2014
Ali Qureshi answered:
What did you end up doing? I am sure you had made a good decision.
0 votes 5 answers Share Flag
Sun Mar 9, 2014
The Medford Team answered:
Great answers below - bottom line, it will affect your ability to get credit down the road and, if there are any delinquencies, your credit rating will also be affected.
0 votes 7 answers Share Flag
Wed Oct 16, 2013
Jerry Straks answered:
Sheryl and Brian provided good answers. I would like to expand on one subtle phrase in Brian's response: "...that you qualify in the future to buy the home."

In addition to being a Realtor, I am also a real estate investor and understand the seller side of LTO. Investors like them because there is money up front, often to cover their costs so far (your down payment, as mentioned below), there is cash flow to more than cover their ongoing expenses (your monthly payment that will be higher than rent would be), and since many LTO transactions do not result in a completed purchase, they may get a chance to sell it again--because the buyer got into it without having a clear plan to assure they could get the needed financing later to complete the sale. The buyer defaults on the agreement and loses the house and their payments.

Things to consider: Do you have credit issues and are you working very intentionally to improve your credit before the LTO comes due? Have you verified that with the income you are likely to have at that time and the credit score you hope to have at that time that you will qualify for the loan you will need and that you will be able to afford it if interest rates go up?

One recent development in LTO is that some courts are asserting that your agreement and payments may give you an equitable interest in that property. That means that if you default and the seller resells it, you may qualify for a fraction of his/her profit equivalent to your fraction of the equity that has been created during your lease. You would have to sue in order to get it (meaning legal costs that will dilute your return).

All of this is why you need to speak to your attorney, CPA, real estate broker, etc., to consider all your options with eyes wide open.

I hope this helps. Let me know if you have more questions.
... more
0 votes 3 answers Share Flag
Fri Sep 20, 2013
Barry Ripp answered:
Hello MK,
This rail road track is also used by Amtrak trains. Amtrak tends to go faster than freight trains, and are more quiet than heavy freight trains.

However, some home buyers are still concerned about living near RR tracks. So they do affect house values a little. But due to the high demand of the Forest Park and Ardenwood schools, it should have a low impact on value.
~ Barry
... more
0 votes 2 answers Share Flag
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