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Home Buying in 94582 : Real Estate Advice

  • All188
  • Local Info34
  • Home Buying95
  • Home Selling13
  • Market Conditions3

Activity 85
Mon Jun 12, 2017
Sheryl Arndt answered:
Yes, yes and yes in CA 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.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
Credit Repair Advice At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 15 answers Share Flag
Mon May 8, 2017
Donald D. Hensel answered:
A $750,000 purchase with 30% down is possible BUT the borrower must be able to verify their income (W2s or tax returns) and remain below a certain debt to income ratio if the property is going to owner occupied. This required due to current federal regulations and even hard money lenders must comply. https://www.northcoastfinancialinc.com/hard-money-lenders-california/vallejo-hard-money-lenders-loans/

There are not many hard money lenders in California able to provide owner occupied hard money loans but North Coast Financial is one.
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1 vote 16 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
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,

Arpad
0 votes 4 answers Share Flag
Wed Apr 22, 2015
Simon Watson answered:
Try the Dirtbokers

Ron Carter
Office: (925) 279-2222
Fax: (925) 279-1098
DRE License #00428869
http://www.dirtbrokers.us/

Simon Watson
Keller Williams Realty-East Bay
0 votes 1 answer Share Flag
Mon Apr 28, 2014
Joyce Chiu answered:
All I can say is that I have been a resident here in San Ramon for more than 10 years, you cannot go wrong a home or a townhouse in San Ramon. Due to lack of inventory, that is driving the prices up. I can honestly say that while prices are up, rates are still very low. Best suggestion is to take a look at some of the homes in San Ramon and see what fits your needs and your current lifestyle. One of the advantages of a Single family home is most won't have HOA (Homeowners Association Fee) All Townhouses will have them.

Hope this helps. Call if you have any other questions, glad to help!

Joyce Chiu
925-683-2270
... more
0 votes 7 answers Share Flag
Thu Apr 3, 2014
Brian Nguyen answered:
Yes, this is a possible option for you. You may be able to take out cash from your IRA for a down payment, but the penalty may depend on your age since there is an age restriction to pulling out money. Also, there are other low down payment mortgage options that you should consider if you want to avoid taking out money from your IRA. FHA mortgage have options as low as 5%. Either way, the best thing for you to do is to speak with a knowledgeable lender to see if you can get started on financing a new home. If you need additional assistance, feel free to reach out. Good luck!

Brian Nguyen
Sr. Mortgage Banker
NMLS # 659743
Phone: 949.667.2887
brian.nguyen@nafinc.com
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0 votes 5 answers Share Flag
Thu Jan 30, 2014
Helen Ivanov answered:
It all depends on your needs and ability to qualify and pay monthly payments. Gale Ranch area has approximately 1.4%property tax rate vs Windemere area that has approximately 1.7% property tax rate. In your example lets see the numbers:
1. The difference in price of $25,000, assuming 4.5% rate leads to the extra monthly payment of about
$127
2. The difference in HOA dues is $117
3. Combining 1 and 2 together gives us only $10 difference in monthly payments between 2 properties
but after looking at property taxes the picture changes
4. Due to tax rates the monthly property tax for the town home in Windemere will be about $140/month higher than single family home in Gale Ranch
Therefore monthly payments for the town home in Windemere will be about $150 higher.
But considering that it is over 500 sq ft larger than the Gale Ranch home, only you can decide what is more important for your family.
Both communities are very nice with good schools. If you do not need more space and 1,596 sq ft is enough for your family, I would recommend the single family home, they may appreciate better over time , but it is a very personal opinion.
Please let me know if I can answer any other questions. Helen 925-997-1994
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1 vote 7 answers Share Flag
Mon Jan 20, 2014
jesus7347 answered:
even if your house is over30years old will the court still have blueprints on the house?
0 votes 7 answers Share Flag
Sun Nov 3, 2013
Ali Qureshi answered:
Hi Bianca,

There are quite a few BMR homes in San Ramon. Are you looking for BMR or just homes that priced below market such as Short Sales/ REO properties.
1 vote 7 answers Share Flag
Tue Sep 3, 2013
answered:
Well there are a couple of ways to do this one. But most likely I can do this but would need more information.

Rich Littlefield
949-297-1207
NMLS 287206
Tri-Emerald Financial Group, A direct lender ... more
0 votes 6 answers Share Flag
Mon Apr 22, 2013
Rick Lane, JD answered:
The Bridges of San Ramon, CA is located between Bolinger Canyon Road and Crow Canyon Road about 1 mile east of Alcosta. Shapell (a high end developer) did a fantastic job of designing the community for convenience, beauty and community. Prices range from $500K to over $2million and the prices are going up!!! The Bridges Golf Club is beautiful but very challenging it is very easy loose your drive. The area has great schools, the San Ramon Medical Center is only a couple of miles away, freeway access to 680 and 580 is reasonable. There is a new Safeway shopping center with a Peet’s Coffee, and a great bar called the Fat Catus Bar & Grill.

There are relatively small houses (Rialto Model) of 1678 square feet to homes as big as 5000++. When I won the housing lottery in 2000 it appeared to me that most of the other winners were already Shapell home owners and very happy to move up from their original Shapell homes they had purchased to a new Shapell home. All the homes seem to be solid, well designed and have something special about them. The HOA has recently lowered the monthly dues yet they do a great job of enforcing the CC&R’s.

Please call me if you have any other questions about The Bridges of San Ramon.

Rick Lane, JD, Broker Associate, 925-324-8172
Prudential CA Realty, San Ramon, CA
... more
0 votes 5 answers Share Flag
Tue Sep 4, 2012
Meena Gujral answered:
Hello Sampang,

I don't think it is fair to blame agents because you cannot get a home. This is a very challenging market for you and for agents. I have so many buyers right now who are trying hard to get a home. They are willing to write more than asking price offers, but they are still not able to get a home.

There are all cash buyers who don't even give the FHA buyers or conventional loan buyers a chance.
When the seller's agent tells me that they are getting multiple offers and some of the offers they have received are over asking price, I will immediately inform my buyer. If they tell me they still want to submit an offer at asking or under, i will not write the offer since it really will not be worth wasting anyone's time. I am sorry if that sounds harsh, but if you were the seller, that kind of offer would not even be looked at, right?

My buyers prefer looking at open homes since they feel they can cover more homes that way at their own pace. If it is not open, I make sure they see the home as soon as it comes so they don't lose the opportunity.

Meena Gujral
Achievers Realty
www.helpusellachievers.com
925-425-9491
... more
0 votes 19 answers Share Flag
Mon May 28, 2012
Willie answered:
I heard the something as Ron mentioned. Not really worth the risk.
0 votes 4 answers Share Flag
Thu Jul 21, 2011
Harold Sharpe answered:
You would have been wise to stipulate in the contract to have the sellers vacate prior to signing loan docs. I am not giving advice here but if it were me, I would try to hold up escrow. or plan on eviction process. Contact a real estate attorney

Harold Sharpe - Broker
So Cal Homes Realty
(951) 821-8211
harold@socalhomesrealestate.com
www.realestatesuncityhomes.com
California Department of Real Estate Broker License # 01312992
... more
0 votes 4 answers Share Flag
Sun Jul 17, 2011
The Medford Team answered:
Pooja:

Bernard is correct – due to the nature of this venue, Realtors cannot provide you with estimated values this way – the only way to get an accurate estimate of value is for your buyer’s agent to visit the property (preferably with you), and then prepare a comprehensive CMA (Comparative Market Analysis) for you. No Realtor should be providing you with estimates of any kind without visiting the property in question, nor should they be providing a service that, in essence, puts them in an agency relationship with you.

If you don't have a buyer's agent yet that you can trust, it's time to get one.
.
... more
1 vote 6 answers Share Flag
Sun Jun 12, 2011
David Chiles answered:
Everything is overpriced. Numbers released by dataquick are encouraging for potential home buyers because there are a lot of eager home owners willing to make a deal. The deal will require a lot of cash. You may not get the first couple of homes you bid on. Typically people look for a 3 bedroom 2 bath home. ... more
0 votes 5 answers Share Flag
Wed May 11, 2011
The Medford Team answered:
Vijay:

Every company charges different rates. If your home is being purchased for approximately $908,000:

The title insurance (ALTA Homeowners) would be in the range of $2,218-2,2,26
The lenders insurance (ALTA Lenders) would be in the range of $942
The escrow fee would be in the range of $1,055 or higher depending on the company.

Bottom line - title fees are in the correct range, escrow fee might be a bit high. However, they may have lumped other fees into the escrow fee such as wiring, courier, etc.
.
... more
0 votes 7 answers Share Flag
Wed May 11, 2011
The Medford Team answered:
Vijay:

If your home was purchased for approximately $908,000:

The title insurance (ALTA Homeowners) would have been in the range of $2,218-2,2,26
The lenders insurance (ALTA Lenders) would have been in the range of $942
The escrow fee would have been in the range of $1,055 or higher depending on the company.

Bottom line - title fees are in the correct range, escrow fee might be a bit high. However, they may have lumped other fees into the escrow fee such as wiring, courier, etc.
.
... more
0 votes 3 answers Share Flag
Thu May 5, 2011
Amy answered:
Hi Housing,
Congratulations, it sounds like you have found the right house for you. I worked for Shapell for 7 years and would love to help you make this purchase and get the best deal. Please contact me for details.

Thanks,
... more
0 votes 9 answers Share Flag
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