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American Canyon : Real Estate Advice

  • All31
  • Local Info3
  • Home Buying10
  • Home Selling0
  • Market Conditions0

Activity 33
Wed Jan 6, 2016
Claudia Muller answered:
Yes...if your loan officer has scheduled it properly. Talk with them...but here is how the timing will be:

If you are scheduled to sign your loan documents on Wednesday, we are going to assume that you have already signed your Closing Disclosure (CD) or TRID document or "Know Before You Owe" information.

Once signed, the loan documents will be sent back to the lender by the title company. Title company will let your lender know that the funding date must be Friday for a Monday recordation. That would be a 48 hour turn time for funding and should be easily met.

In some counties, and Contra Costa is one of them, the title company can accept funds on Monday and record on that same day...this will keep you from paying interest over the weekend. However, if you want to get this closed by Monday (with no hiccups), it may be worth paying the interest for the weekend to assure a Monday recording (and ownership) and closing.
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Sat Aug 2, 2014
Dorene Slavitz answered:
Each community (City) has it's own occupancy and zoning laws. Go to the City and find out what applies. In some areas it's illegal to have a business operating out of a home.
0 votes 3 answers Share Flag
Tue Apr 8, 2014
Jeanie Kees DRE 01463998 answered:
You're renting a house, right? You have a contract. Is her signature on the contract? Are you planning to move?

You might seek legal advice - Hard to do when emotions are involved, but absolutely necessary.

Deep breath, keep a level head - this is the time when you're going to need it!!

Best of luck
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Thu Jan 16, 2014
Marcia Hadeler answered:
I think American Canyon is a great investment...even now. There are great schools in American Canyon and a newer high school which attracts people from all over. Demand for both purchases and rentals has been strong for the last 2 years. Find a something at a good price with sweat equity and go for it! ... more
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Thu Jan 9, 2014
Colleen Chatoff answered:
I just received my SS approval letter from Everhome today 1/9/14 on a purchase agreement signed in March 2012!
You just need to wait for the process to move in it's own good time, if you are in a hurry don't go into a SS contract.
Good Luck
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Thu Jan 9, 2014
Colleen Chatoff answered:
Hi, buying a home for the first time can be a tough experience.
I would like to invite you to a first time home buyer event on Feb 12th, 2014 at
Venoce, 20 Rows winery in Napa. 880 Vallejo Street, Napa CA 94559
We will start at 6:00 pm and hopefully be finished around 8:00 pm
We will have finger foods and a free wine tasting.
We will have a panel of experts and hopefully we can answer most of your questions and point you in the right direction, so that your first experience becomes a successful one!
Call me for more details 707-349-0763
BTW, if you go to the listing agent after you have worked with another agent, that listing agent will owe the other agent a referral because the other agent introduced you to the property.
Best way to handle it is to tell your agent you are not satisfied with their response times and would like to work with someone else.
We would be happy to represent you.
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0 votes 8 answers Share Flag
Thu Aug 1, 2013
laura5contreras3 answered:
Hi Josie!

I would recommend visiting http://www.city-data.com/city/American-Canyon-California.html. According to this site, American Canyon's "crime index" is in the low 200s, compared to the national average of 319.1. In addition, our unemployment rate as of August 2012 was 7.5%. Our local newspaper (http://www.timesheraldonline.com) recently reported that our unemployment rate went up slightly this year to 9.4% as of June 2013; however, the overall unemployment rate for our county (Napa County) is at 5.8%, compared to the national average of 7.8%.

My husband and I bought our home in American Canyon last August, and we LOVE it! The city is well-maintained, and the community members are friendly. Hope this information helps!

~ Laura
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Wed Apr 10, 2013
John Arendsen answered:
What year is the MH? If it was built before June 15, 1976 there's a very remote posibility that it would still be under the direction of the DMV. But that is highly unlikely. If the home is attached to real property by way of an approved engineered foundation systelm making it real property as well then you may want to contact the county assessors office in the county in which the home is located.

However, as I stated earlier, and not to be combative, contradictory or argumentative with another RE professional, if it's located in a manufactured home rent/lease park/community you would definitely have to go to the HCD. They regulate all rent/lease MH park/communities in the State of California and registration and titling is handled exclusively by them. They would be able to help you.

Frankly, I'd be surprised if any title company would be of any value to you in this in any event.
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Mon Apr 1, 2013
answered:
I can do it if your middle score is 620, also I need a min loan is $50,000. It may need to be an FHA loan.
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Sun Feb 24, 2013
BayAreaHomeRebate answered:
This question is close to 3 years old, Amandak have you already made the move here? If so let us know so agents won't respond to old questions.

If not then if you need help from a local agent feel free to call anyone on trulia local. ... more
0 votes 8 answers Share Flag
Fri Dec 14, 2012
Van Duong answered:
Thu Dec 13, 2012
Jake Johnson answered:
FHA requires 3 years unless you had an amazing excuse for losing the home. My name is Jake Johnson and you can contact me at jjohnson@lendamerica.com.
0 votes 3 answers Share Flag
Thu Dec 13, 2012
Stanmick63 answered:
You might want to try NACA.COM. No down payment and credit doesn't need to be perfect. They can be slow but well worth it.
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Sun Dec 2, 2012
Nancy answered:
Ive lived in American Canyon for about 25 years and im not saying nothing happened cause ive never heard anything.

living here is great.
i say go for it.
0 votes 4 answers Share Flag
Tue Oct 23, 2012
Anna M Brocco answered:
Probably not yet, but for an accurate answer why not visit any qualified loan officer and follow his/her advice.

Anna
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Wed May 16, 2012
Tim Moore answered:
Kiki,
If you have a lease then you would pay what the lease calls for. If no lease you have to pay what the owners want while in the period until you leave. In other words, no free lunch. ... more
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Tue May 1, 2012
Franklindsf answered:
Hi, I reside here in Vallejo and I say its meets your most basic needs. I think the best thing about Vallejo is that it's close to everything, yet it does lack a BART stop. Regarding crime and schools I feel the best post is from Anna where she directs you to www.greatschools.com and the local police department. However from a personal perspective I suggest staying east of freeway 80. (Vallejo's Hills) In general that's a much nicer place to live with significantly diminished crime rates. Also Glen Cove is a wonderful neighborhood and Mare Island has a picturesque backdrop if you're lucky enough to grab a home away from the industrialized areas. Shopping well, your basic needs are also in Vallejo. We have most major grocery stores except for Trader Joe's (yes I'm sad for that) and we also have a huge Target. Vallejo is littered with strip malls containing stores from Marshall's to Planet Fitness. However Vallejo does lack upper-end shopping such as, Whole Foods, and Nordstrom. Therefore, you would have to drive to Napa or Walnut Creek for those stores. Also of note, if you prefer to go to a local sports bar to catch the game/fight or have a cocktail after work you might want to consider another city, Vallejo is soft on variety of entertainment venues.

Good Luck!
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Fri Oct 29, 2010
Annette Levinson answered:
Chris,
I loan modification is held against you for 3 years.
Your approval was that a commitment? I don't think you had a commitment since no underwriter would have signed that commitment. Also your FICO is too low for Fannie Mae. They require 680+.
I feel you recieved a preapproval from a mortgage originator-not worth the paper it is written on.
You do not qualify for a mortgage until 3 years has passed from your modification and the lender puts down that you have paid as agreed for 36 months you are nonmortgagable.
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Tue Aug 17, 2010
Rick Dillion answered:
Hi Chris,
Short Sales are now becoming the norm of the market. Foreclosures are fewer due to the new HAFA program which is a more streamlined short sale process and standardized forms. Its about time something was done.
However, it will take a little longer for all parties involved in a short sale to understand and impliment the new process. Its been a while and I was wondering if you found a home in American Canyon?
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0 votes 9 answers Share Flag
Fri Jul 16, 2010
Rich Homer answered:
W,

I know American Canyon as I traveled the 80 between Sacramento and San Francisco some years back. I played a round of golf off one of the exits in the hills there but can not remember the name. Anyway, find a REALTOR and ask about REO properties, Those are real and you have a reaql shot. Best advice. Good luck. ... more
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