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Home Buying in 95206 : Real Estate Advice

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  • Local Info1
  • Home Buying24
  • Home Selling1
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Activity 9
Thu Jun 11, 2015
Ritadawn answered:
A lot of the fees are fairly fixed...like escrow fee at title company. So that doesn't matter if it is a $60,000 loan or $600,000 loan.....it makes the lender look bad, when a lot of the fees are semi-fixed and looks like high cost to the borrower.

http://titlecompanies.net/
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1 vote 4 answers Share Flag
Fri Aug 12, 2011
Steven Ford answered:
Just read Ron's answer...it can't be stated better. One other thing though.....it might have been waiting on you. If it is listed at 140...try a lower number and salt in some closing costs...say 3%. Who knows...after nine months they just might bite, or at least give you a reasonable counter.

You have some safety nets...hopefully your first one is your Realtor, second will be the appraiser, the the home inspector...and even your closing attorney/title conpany.

If you've been diligent in your search and this is the one...go for it.

Best of Luck
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0 votes 7 answers Share Flag
Thu Mar 18, 2010
Weloveourkrg answered:
thank you all very much for your answers. I understand the fact that we had an escrow account that we were putting money into every month. i believe it was about $200. The problem we have is the mortgage company is saying we should have been putting $300 in every month. They said that they noticed we were short since the first month we paid, but they only send out paper work about it once a year. why would they wait a whole year to tell us? it jsut doesnt make sense.
They paper said our escrow account was short $1200 (or so) and we had to pay that.
So, since we should have been putting $300 into our escrow account every month for the next year they said we are going to have to put the extra $200 and then we will be caught up on what we hadnt paid, and then the following year out payment will be raised $100 and stay that way. I dont see how we can sign for one amount and them just change it on us.
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0 votes 8 answers Share Flag
Tue Nov 10, 2009
Rocky G.H. Hawrysz answered:
Hi Christina,

There are closing costs for both the Buyer and Seller in almost every Real Estate transaction. The best thing to do is to ask your Realtor or your Escrow Officer to explain these costs to you. Your individual costs are just that. They are individual, depending on many factors. Only those that have first hand knowledge of the transaction will be able to accurately tell you about the individual costs.

Let us know if you have any other questions.

Best regards,


"Rocky" G.H. Hawrysz, Realtor®, Broker Associate, e-PRO®, ABR®, SRES®
Prudential California Realty
(209) 444-6610 - Direct Office Line
Web Site: www.TeamHawrysz.com
Lic.: 01468373
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0 votes 2 answers Share Flag
Sat Sep 12, 2009
The Hagley Group answered:
Good question.

Banks are not licensed to sell real estate and they hire agents to represent them. To find bank owned properties, by lender, with instructions on how to find their agent, see the lionk below. ... more
1 vote 2 answers Share Flag
Mon May 11, 2009
George Kininmonth answered:
Since the VA guarantees your loan and pays the down payment, if the VA loses money on the home you short-sale you will lose your VA entitlement until the VA is repaid. VA loans aren't FICO driven, except at Wells Fargo with a 620 minimum, if you have derogatory credit, this will also preclude you from your future benefit. ... more
1 vote 2 answers Share Flag
Tue May 5, 2009
Vanessa Igtiben answered:
This house is in pending status, so it should be in escrow with the buyer, but the sale is not fully completed yet.

There are other similar sized homes in Weston Ranch; however, most are short sales and have offers in review. There will be many more coming on the market in time. ... more
2 votes 1 answer Share Flag
Tue Oct 28, 2008
adam Dalton answered:
Good morning Lenore-
I see that you have the address 1541 Julian St under your profile name, could that be the property you are referring to? If so, according to my Multiple listing information, this home is still for sale for $45,000. This has not been confirmed with the listing broker.
If I can be of further assistance, please feel free to email me for more information.

Adam Dalton, Realtor
Century 21 M&M and Assoc.
adalton@c21mm.com
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0 votes 2 answers Share Flag
Wed Oct 8, 2008
Bill Eckler answered:
Timsan,

Our recommendation is to be in touch with the local police department or county sheriff's department for this information. They have access to the most accurate and up to date data and are generally willing to be helpful.

Good luck with your decision.

The "Eckler Team"
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0 votes 1 answer Share Flag
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