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Home Buying in 94583 : Real Estate Advice

  • All42
  • Local Info2
  • Home Buying25
  • Home Selling0
  • Market Conditions3

Activity 25
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
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 Jul 18, 2015
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
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.
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0 votes 11 answers Share Flag
Wed Mar 25, 2015
answered:
Hello Desperately needs a home, 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
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 5 answers Share Flag
Wed Mar 18, 2015
Jackson Willis answered:
I think this could be something to be concerned about, but there's no way of knowing for sure by yourself. I would suggest talking to a professional to see if you can get any help from them. They would have a more accurate knowledge of what this is, what it can do, and if it merits concern. I think you should figure that out if at all possible.
http://www.wellservicetampabay.com/Pump_Repair_Brooksville_FL.html
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0 votes 15 answers Share Flag
Wed Jan 14, 2015
answered:
Well there are some options that may work.

We may be able to get the short sale removed from your credit or go with an FHA loan or something. anyway there are a couple of options.

I have some lenders that will do it. We need to review your situation and determine if one would save you enough money to be worth your while.

Give me a call to discuss it.


Rich Littlefield
Mortgages
9555 Warner Av. D Fountain Valley Ca 94708
office 714-968-2500
cell 714-421-1037
Fax 714-844-9202
Licensed by the CA Department of Real Estate License 01080071 NMLS License 287206
Equal Housing Lender
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0 votes 5 answers Share Flag
Thu Dec 4, 2014
Jason Zaitz answered:
Hello,

This property closed escrow on 1/10/2013 and is not currently on the market.

Let me know if you have any other questions.

Regards,

-Jason

Jason K. Zaitz
Realtor
BRE License #01398381
Direct - (925) 242-8971
Re/Max Accord
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0 votes 3 answers Share Flag
Wed Dec 3, 2014
Jason Zaitz answered:
Hi Monica,

I work in the Marketplace in San Ramon and I know the piece of land you're referring to just to the left of the hospital parking lot and right behind the Norris Canyon Terrace community. I believe that a portion of that land is owned by the San Ramon Regional Medical Center and a portion is owned by Norris Canyon Terrace.

It's rather hilly so if you're concern is future construction, I wouldn't be overly worried.

Let me know if you have any additional questions.

Regards,

-Jason

Jason K. Zaitz
Realtor®
BRE License #01398381
NAR®, CDPE®, NRBA®
Direct - (925) 242-8971
Fax - (925) 242-8900
www.JasonSellsRealEstate.com
JasonSellsRealEstate@gmail.com
Re/Max Accord
... more
0 votes 1 answer Share Flag
Fri Jun 27, 2014
Therese & Glenn Mendell answered:
Our policy is a 50% rebate on commissions offered by builders (they always handle the escrow part, so less work for us). Several of the comments mentioned about you needing to visit with an agent the first time around. This is correct in most cases. Some San Ramon builders are more flexible than others. KB, Shapell/Toll, and others may or may not pay an agent if you already visited, but the market is cooling a bit with all the new homes being built and higher inventory, so your chances are improving. Some of them will also add some closing cost credits and upgrades if you or your agent can work it. ... more
0 votes 13 answers Share Flag
Thu May 16, 2013
John Arendsen answered:
Great answer Carl. I think you've educated a few folks on this one.
0 votes 5 answers Share Flag
Sat Jun 2, 2012
Shiven answered:
Thank you all for excellent response. This is certainly helpful. As suggested, I will look into Gale Ranch area and may also consider Danville area. Thanks again.
0 votes 6 answers Share Flag
Mon May 21, 2012
Rose V. Boas answered:
Check out: http://scheduledopenhouses.com/
0 votes 11 answers Share Flag
Sun May 6, 2012
Carolyn Zeigler answered:
Yes, the freeway will affect the value of the home; you will purchase the property at a lower price and when you go to sell it, you will have to sell it a lower price than someone who has a home which does not have the freeway noise. It is all relative.

I do not believe we will see the trend of decline which we have seen in the majority of Contra Costa homes especially with low inventory which we have experienced since December of 2011. When the inventory is low, and the demand is high, there are frequently multiple offers on properties which will tend to raise prices.

If you would like to discuss this further, please feel free to call me or email: zrealestatelady@pacbell.net.

Best of luck,
Carolyn Zeigler, CRS
Re/Max Accord
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0 votes 2 answers Share Flag
Mon Apr 30, 2012
John Juarez answered:
Steve Mohseni’s answer should earn him a “Best Answer” mark.
In order to get a clearer, more detailed answer you really should sit down with a Realtor to talk about specific communities in which you may have an interest. ... more
0 votes 6 answers Share Flag
Sun Feb 12, 2012
Christina "Chriz" Tokar answered:
Hi, If you are working with a competent Realtor who knows the process, in most cases, you will be way out ahead if you do the short sale. With a short sale, we can in many cases not only sell your home, and save you from the negative dings of foreclosure pn your credit, we can also get you some cash for "keys".... In most cases, we also get the deficiency judgment waived, so you do not owe the bank any money once we are finished. I work with an attorney who helps streamline the process and keeps you out of bankruptcy while we go through the process. I generally prepare all the paperwork and stay on top of the attorney who will be speaking with the bank. As a team, we get it done. Most banks are much better today, than years ago. However, the homeowner gets very little respect from the banks, so work with a professional who knows the system, and will get you through the process. ... more
1 vote 11 answers Share Flag
Thu Dec 22, 2011
Trusted_source answered:
Inquisitive,
Unfortunately Mr. Reilly doesnt know what he is talking about, atleast with regards to the Foothills off Norris Canyon.

Mr. Reilly - in the future please research the question asked if you are going to respond. Your answer is not only incorrect, but even in current (terrible) market conditions, the Foothills properties list well north of $250k, far out of reach of your $200k upper proposed upper limit. Responding as you did just makes you look lazy and or incompetent to the needs of potential buyers with legitimate concerns. The Foothills were not apartment conversions, they were built as condos and not rental units.

To answer the questions posed, with regards to the Foothills:

1) I do not know of Crest View, so I can't compare what is a 'better community' as that is an opinion of what specifics you look for in a community. I can tell you, that the Foothills is a very quiet community, good people, and the pool areas are lively in the summer.

2) The Foothills, back in 2008-2009, had major construction done on all the builinds, brand new siding, windows and glass sliders were installed. The siding is hardy board (concrete boards) and has a 50 yr life span. That said, this community is set to appreciate heavily when the market returns.

3) At this time, a 2BD/2BR 1050 sq foot place at the Foothills goes for around $260-$300k. This is a fair price for the area, and comparing it to other condo units in San Ramon, it is a great deal for what you get (including HOA dues, and the size of the property, 2 pools/2 spas, etc..)

4) For the Foothills, just a small ways away by the Iron Horse Trail, there is current construction for some residential units and small shops to be built, which will be a nice, short walk from the Foothills for a morning coffee or lunch/dinner. This is the only construction I am aware of.

Thank you
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0 votes 2 answers Share Flag
Wed Aug 10, 2011
The Medford Team answered:
Sam:

As you are aware,

• This property sold on 07/16/2010 for $1,135,000.
• There have not been a lot of sales in this area for homes of this caliber since then, which makes comparative pricing difficult.
• It appears the market has been trending slightly downward for newer luxury homes on this side of San Ramon, however, it’s difficult to say because, again, there have not been many sales in this category.
• It is true that this area of San Ramon is not as ‘hot’ as Bridges or Windmere.
• I’m guessing you want to place an effective value on a similar home to make sure you are getting a ‘good deal’ – perhaps on 13 Pine Valley Place.
• Just because a short sale seller will allow an offer to be accepted at a ‘bargain’ price does not mean the bank will approve the sale at that amount. What appears to be a good deal up front may, in fact, end up selling for the same price as other comparable homes near by.

We cannot provide specific property evaluations in this forum for a number for reasons.

• We are not supposed to ‘second guess’ other Realtors and decisions they helped their clients make with regards to specific properties.
• We have to be careful of our agency relationships – therefore we can provide certain types of information but not specific pricing, etc.
• We don’t know all the variables and haven’t been in all the homes in the area – especially the one you are asking about.
• In addition, there is no saying whether or not improvements or upgrades have been made to this home since it sold over a year ago.

Bottom line: this is the type of question you need to be asking your Realtor. Based on a previous question of yours, it appears you are already in escrow – we cannot help you second guess your decision on that property. I’m trusting that you are working with a top-notch agent who can provide you with all the local data you need – and since you are already in an agency relationship with them, can also give you specific recommendations as to price and terms as well.
.
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3 votes 1 answer Share Flag
Sat Aug 15, 2009
Vickie Nagy answered:
Hello Andre,

Foothills in San Ramon recently underwent a major renovation. I've heard it said that the last improvement was the new siding, windows and doors, but the roof was "recently" done as well. These are all good points to know. Sometimes there's not enough money in cash reserves to pay for capital improvements, as reportedly was the case in Foothills. There were special assessments, and all the work appears to be complete. Just be sure your seller has settled any outstanding assessments.

If you're shopping for Realtor who knows the local condo market, please give me a call. You'll find lots of condo market reports at http://www.VickieSellsHomes.com

Kindest Regards,
Vickie Nagy
Realtor® - ABR, CRS, e-PRO, GRI, SRES
Specializing in "GETTING YOU WHERE YOU NEED TO BE"
(925) 407-7987 cell
http://www.VickieSellsHomes.com
http://www.BestTriValleyHomes.com
Vickie Nagy | Keller Williams | 760 Camino Ramon Suite 200, Danville, CA 94526
CA DRE License #01363932
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0 votes 3 answers Share Flag
Sat Feb 21, 2009
. answered:
"I just had a short-sale with Indy Mac and they never brought this up. They lost 4 of our "hardship packages" but other than that they were typical big bank--4 digit extension, different person to talk to each time, took their sweet time!"

THEY ARE SOMEWHAT A NEW BANK STRUCTURED THROUGH WASHINGTON — A seven member investor group (billionaire George Soros and Dell Inc. founder Michael Dell) agreed to purchase. Indy Mac Bank is one of the largest casualties of all time and tied to the housing bust. Estimated at near $14 billion. Indy Mac, which specialized in loans made with little down payment or proof of assets. That’s hard to believe as regulators let it go unchecked. Bank was seized by the government in July after a run on the bank as the U.S. housing market collapsed. The Federal Deposit Insurance Corp. statements showed a holding company and private equity firm Dune Capital Management, agreed to buy Indy Mac.

The ability for Indy Mac bank to raise capital and mange losses will necessitate avoidance of short sales and modifications. You go through "He.ll to get a file approved, then receive an offer then get a sign off by another person who will lose the file (yeah yeah ) and then MAYBE ! Fannie AND FHLMC YES MAYBE. TOXIC SUP PRIE LOANS . . . NO WAY! THEY MUST FORECLOSE

Hey, I normally want to hear your feedback but ....Nope - the shorts and mods argument is not in the cards!
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