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Home Buying in American Canyon : Real Estate Advice

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  • Local Info3
  • Home Buying10
  • Home Selling0
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Activity 20
Wed Jan 6, 2016
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
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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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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Sun Feb 24, 2013
Sameer Punjani 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
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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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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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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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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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Sat Jan 30, 2010
Fl answered:
Before you buy anything, check out the location you are buying in. Good source is http://www.city-data.com/
It's important to know the crime rate, school quality, city problems, etc. Also a realtor who specializes in an area would be better than one who is not familiar with the area (if they are willing to drive all over the place for you to begin with). You can very well have different agents for different areas. You can find a lot of info by internet search or talking to Open House agents-- even sign up with them if you like them. Hot deals can be gone in 2 days...so you definitely need an agent and get prequalified if you need a loan. ... more
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Mon Nov 16, 2009
Hannah Fliegel answered:
You should contact the REO realtors in Vallejo and ask them to use your services.
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Sun Jul 26, 2009
Dallas Texas answered:
Fees are paid by seller for listing / buyers agent.

Listed in agreement by seller on buyers agent fees which are paid at closing by seller via title company.

Buyers agent might be able structure sales offer where seller pays your closing costs however based on your lender approval.

Out pocket expenses are: inspection, appraisal, closing cost, insurance, tax.

Have your mortgage broker review all this with you.

GREAT QUESTION:

Keep in mind you receive annual tax benefits owning a home !

National Featured Realtor and Consultant, Mortgage Loan Officer, Credit Repair Lecturer
Follow me on Twitter: http://twitter.com/Lynn911
Lynn911
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Tue Apr 28, 2009
Matthew Bartlett answered:
Hi Runarko,

Good job keeping an open mind and coming up with a service that the public needs. I suggest you follow what a friend of mine did in starting a business just like yourself. He began by forming a management company. At the same time he began appearing at the local City Council Meetings since many Cities have City Codes on the books with regards to the upkeep of properties. Once he had addressed the City Council and confirmed the City Codes he proposed that the City enter into an agreement with his company. For a hundred dollars a month for each house his company would take care of the properties. The City would then pass the bill along to the Bank who had taken ownership of the property for re-payment. The City Council was impressed with his idea and gave him a contract for 2,000 homes at $100.00 a month for each house. I wish you nothing but the best of luck. Make it happen!

Matt
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Mon Jan 26, 2009
David Chamberlain answered:
I would love to contribute to the failing of the economy, please call me 1-800- canidefraudlegaly
3 votes 7 answers Share Flag
Wed Sep 3, 2008
Fl answered:
Bill,
Thank you for sharing with us the outcome of the story. It is educational info.
I think the agents did the right thing to help the deal go through.
The bank in my story (1)-- trying to bulldoze me (buyer), in the REO purchase-- was GreenPoint Mortgage. I've heard from other sources too that they are awful to deal with.
Wishing you all the best from here on.
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