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94606 : Real Estate Advice

  • All20
  • Local Info1
  • Home Buying9
  • Home Selling1
  • Market Conditions2

Activity 17
Wed May 25, 2016
Tamara asked:
I'm a city employee in SF, and my husband is a teacher. Wondering if any other public servants had good experiences with a particular lender who really knew their stuff?
0 votes 0 Answers Share Flag
Mon Apr 11, 2016
Rich Reed answered:
A Realtor with access to the MLS that served the address of the property may be able to look up comparable sales, but 2005 is going back quite a bit. If you need the information to settle an estate or some other legal issue, you need to hire a California licensed appraiser to do an appraisal as of a certain date. Sometimes these are referred to as "retrospective appraisals" or "date of death appraisals." ... more
0 votes 1 answer Share Flag
Mon Mar 30, 2015
answered:
Hello OLIVIA, you should flag the ones you suspect as scams to be removed. They are usually the ones that are so low of rents and to good to be true. Beware of the many rental scams out there these days on all sites. The scams are on all of the rental listing sites except one that us agents/broker use such as mls, multiple listing service.

You should not give anyone any funds or personal information without confirming with a licensed agent/broker or management company to find out whom you should be dealing with and the status of any address of interest.

The rentals in 94606 zip code start from $832 for 1bd 1ba apartment and the single family homes start from $1,900 for 2bd 1ba home. 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 should study RENT vs BUY options as you may qualify to buy with minimum out of pocket expenses and pay less than rent in many cities. 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. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

The purchase in 94606 zip code start from 259k for 1bd 1ba condo and the single family homes start from 350k for 3bd 1ba home which is as low as $1,750 down payment with a minimum 580 fico score.

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. 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 3 answers Share Flag
Wed Mar 19, 2014
Lynell Holden answered:
I forgot to mention this property is about 10-12000 sq ft.
0 votes 1 answer Share Flag
Mon Feb 17, 2014
Joy Terrell answered:
Whose site? Trulia? Rentals are so competitive now--I suggest scrutinizing the potential landlords as much as they are scrutinizing you :0)
0 votes 3 answers Share Flag
Tue Sep 24, 2013
answered:
I was just looking through old post and I noticed yours. If you were not able to refinance at the time of the post, I can certainly help you out now. You can call me at 408-352-5147 or email me at AGreer@themortgageoutlet.com. You can check us out at http://www.TheMortgageOutlet.com. I will look at your situation and present you with some options.

Alex Greer
NMLS #1056079
... more
0 votes 13 answers Share Flag
Thu Aug 15, 2013
answered:
I was just looking through old post and I noticed yours. If you were not able to refinance at the time of the post, I can certainly help you out now. You can call me at 408-352-5147 or email me at AGreer@themortgageoutlet.com. You can check us out at http://www.TheMortgageOutlet.com. I will look at your situation and present you with some options.

Alex Greer
NMLS #1056079
... more
0 votes 18 answers Share Flag
Thu Aug 1, 2013
Jorge Signorelli answered:
The person or people who owned the house should pay the taxes and insurance.
Everything is negotiable
0 votes 8 answers Share Flag
Thu Feb 23, 2012
Liz McFarland answered:
Not sure about the membership levels of Trulia, but as a Realtor I contact the title company to get more accurate and timely information. Even with that, the title companies don't always have updates when a trustee sale has been postponed for example. If you're the owner of the home, contact your lender first. If you're interested in purchasing the property, contact a Realtor. There are so many variables so that would be the best place to start. ... more
0 votes 2 answers Share Flag
Wed May 18, 2011
Bay_area_ll answered:
i live in the area east of LM just bought a house here I think its a good investment. You can get cheap houses close to BART I think more people will begin to migrate here due to much lower costs. But still pretty much close to everything. ... more
0 votes 4 answers Share Flag
Sat Nov 27, 2010
Ellen Lynch answered:
Hi Rdm,

I realize I am chiming in two months after you posed this question! I agree with my colleagues and friends who've posted here.. I also wanted to add that I live in the San Antonio district, and have sold several homes there, including a victorian. I've lived in the avenues for over thirty years, and have renovated/restored several homes of the victorian era. My real estate practice is centered where I live, and I would be very happy to offer my thoughts on the market value of your house, now or in the future. San Antonio has had more than its share of bank-owned rundown and ruined homes on the market the last couple of years, and the market has hit us hard in 94606. However, there are signs of life, a bit of an uptick in some of our neighborhood pockets. A special home like yours will always have a special appeal to like-minded folks. A detailed analysis of the sales of similar vintage homes in the area (and attempted sales of some) would be in order in order to come up with a realistic value. I would welcome a conversation about your home! Good luck, and happy holidays.. ... more
0 votes 7 answers Share Flag
Tue Oct 5, 2010
Ann Wilkins answered:
There are some beautiful New York style condominiums in this area with doorman/concierge service. The condo's in these buildings are being purchased by folks downsizing. They want a place to "Lock and go" where they can safely leave for a month while touring Europe. This area is an awesome commute - you can either walk to the 19th St. BART or Lake Merritt BART or take ACTransit into the city. ... more
0 votes 7 answers Share Flag
Sat Oct 2, 2010
WE CLEAN WHAT ONE CAN See Touch & Smell/ MR WHITE asked:
Mon Jun 8, 2009
Pacita Dimacali answered:
Tanya,

We, the realtors who serve buyers and sellers whose escrows were delayed due to quirks at the lending side, share your pain.

But this is not at all uncommon.

Now that the lending process has tightened up. The appraisers and underwriters are doing their job by thoroughly checking all the paperwork and to make sure they conform. I closed recently on a property, a week later, and had to agree to a per diem charge for each day we didn't close escrow.

The underwriters make a final verification of employment (if they can't get hold of someone at the buyer's employer's office, that will obviously delay the process),

They also take another look at your credit (large ticket item purchases charged to a credit card are a no-no since it will skew your ratios)

Or there's a document missing signatures. I use DocuSign --- and one underwriter required wet signatures.

And yes...some delays have been caused by underwriters taking off for a few days, and their back-ups are not able to complete the file.

It could be a number of things. We, as realtors, can only make follow up calls, but there's nothing we can do other than to keep rattling those cages.

If the sellers are amenable to extending the escrow closing period, great. But with REOs, this becomes challenging unless there is a very cooperative asset manager at the bank.

Hang in there!
... more
0 votes 4 answers Share Flag
Sun Jul 13, 2008
Ellen Lynch answered:
Hi. I suggest you first check with the local building dept to see if this is even legal or "doable". Some roofs are not built for the weight of a deck. It may or may not be permittable by local zoning as well. Oakland Building Dept: 510-238-3441, ask for zoning, then building, and give them the address. They will look it up and answer your questions over the phone about viability. If you are permitted to convert the roof, then I suggest you get a licensed General Contractor to look at it. Nobody can give you a legitimate price over the phone or internet without seeing the actual structure and how it is built. Get different estimates and always referals from the Contractor.. and check up on them! Good luck. Ellen Lynch ... more
0 votes 1 answer Share Flag
Sun Jun 29, 2008
Nicole Bailey answered:
Hi there!

I agree with Lisa, but I would also recommend that you check out the street sweeping days and what the off-street parking situation is like at several times a day. If your family has two cars, parking may be a bigger issue, but if only one...maybe not!

Good Luck!

Nicole
... more
0 votes 2 answers Share Flag
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