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94603 : Real Estate Advice

  • All10
  • Local Info2
  • Home Buying5
  • Home Selling2
  • Market Conditions0

Activity 10
Mon Nov 27, 2017
Loganhefferies76tx answered:
Make sure you go with a reputable company. If you are selling to a company like this they should buy the house in As-Is condition which means they will do all the haul out and cleaning. We used when we relocated for my job. Our experience was very good with this company. ... more
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Thu Feb 25, 2016
You are eligible now.

I do not check replies, so if you have a comment or question email me here:

Alex Greer
Loan Officer
NMLS #1056079
... more
0 votes 1 answer Share Flag
Tue Nov 3, 2015
My NC Homes Team answered:
Contact and attorny and have tem write a letter to the Owner/Mgr letting them know you're prepared to take them to court if the harrassment doesn't stop immediately and if all repairs to the proerpty aren't made within the next week. ... more
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Wed Jul 29, 2015
Shantell.bracy answered:
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Tue Jan 27, 2015
Thomas Hopkins answered:
Tracy, I am a Do-It-Yourself landlord with an investment property in Vallejo. If you are going to stay in the bay area I would recommend you joining a landlord or property management meet-up group / organization and do the property management yourself. There are a lot of tools out there to help with the tenant screening, verification and selection. is one that allows you to place an application into your craigslist ad and start collecting interest. Then, you simply select the person you feel like is a good candidate, you call them, show them the place, and then request that you have their application verified. Then, within 24 hours you receive a verified application including credit report, FICO score, rental history verification, employment verification, and income verification all for just $30. Take the time to get a good tenant and you can save yourself 8-10% / month of the rent plus half the first month's rent as a placement fee on property management fees. That being said, if you are not comfortable showing your place to interested, pre-qualified tenants then by all means you should hire a property manager as this is what they specialize in. One more thing to keep in mind, if you are using a property manager, make sure to tell them you minimum income to rent ratio. A lot of companies require unrealistically high income/rent ratios compared to the area making it close to impossible to find a qualified tenant. Best of luck, Thomas ... more
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Fri Dec 12, 2014
janice-woods asked:
Wed Jun 25, 2014
Jaime Novoa answered:
0 votes 12 answers Share Flag
Sun Mar 31, 2013
Robert Spinosa answered:

There are a number of considerations for a non-permitted addition --- some have to do with the lender/loan and some have to do with the property itself. I'd be happy to help you sort this out at your convenience. I'm in Marin and available on the weekend too. There's no need to take an application at the outset so there's no cost or obligation at all.

Rob Spinosa
... more
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Thu Aug 11, 2011
Mark Payne answered:
You can cancel your offer but you may not get your earnest money deposit back.
0 votes 11 answers Share Flag
Mon Oct 13, 2008
Tara-Nicholle Nelson answered:
It depends. Frankly, with the current credit crunch, some lenders will use a last-minute "surprise" as an excuse not to fund the loan. However, what will likely happen is that the monthly payment you have agreed to make with the state will be added to your other monthly obligations so that the lender can calculate an accurate debt-to-income ratio for you - if the debt-to-income ratio thus calculated falls within their guidelines, you're golden.

If not, you may have a problem. In that case, your loan officer will need to apply for an exception and potentially even apply for a loan with another lender with a more generous guideline for debt-to-income ratio, but such a loan might have a higher rate or other less desirable terms - if you have to apply for a different loan or use a different lender, make sure you read your good faith estimate so you know what changes you are in for!

If your loan falls apart, and you need a referral to another mortgage broker for any reason, feel free to give me a call or drop me a line - I'd be happy to connect you with a mortgage pro with an incredible track record for finding ethical, honest and smart solutions to such issues:
... more
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