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Briones : Real Estate Advice

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Activity 19
Sat Mar 11, 2017
Kathy Burgreen answered:
Your uncle can be found. Have you searched Facebook? Did your uncle apply for a professional license (medical, law, real estate, lender, contractor, etc.). You can check the state's licensing division to see if there is a license under your uncle's name. You can also check the state licensing for fishing, gun permits, marriage, etc.

Another option is to pay a fee for one of the people searches. Make sure you cancel your account in writing or on their site when you're finished. If you fail to cancel, your credit card will continue to be charged. However, these websites work because they pay 3rd parties to collect information from various states and counties. It's a good way to find people like your uncle. Example: if your uncle bought a home or real estate, there will be a record of it because a title or deed is recorded with the county. You can do this for free IF you know which county your uncle lives.

Wish you luck because if you can find your uncle first, the cost for an attorney will be a lot cheaper.
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0 votes 2 answers Share Flag
Mon Feb 20, 2017
Sheryl Arndt answered:
Hello Josh, you may get some locals to chime in soon but here are some links to start some research with. Are you looking to rent or buy? What is the maximum payment your looking to achieve? How many bedrooms, bathrooms and if you want a condo, townhome or single family home.

These links may assist you with crime statistics:
http://www.crimemapping.com
http://www.crimereports.com
http://www.everyblock.com/
http://www.localcrimenews.com
http://www.mylocalcrime.com
http://www.spotcrime.com/ca
http://www.meganslaw.ca.gov
http://www.neighborhoodscout.com/
http://www.homefair.com/

Theses links should have the answers to any questions you may have on schools:
http://www.greatschools.org/
http://Www.schoolfinder.ca.gov
http://Www.education.com
http://Www.schooldistrictfinder.com
http://Www.schooldigger.com
http://www.sarconline.org/

The rentals in 94553 start from $1,500 for 2bd 1ba apt. The purchase in 94553 zip code of Martinez start from 259k for 1bd 1ba condo, from 330k for 2bd 2ba condo and the single family homes start from 399k for 3bd 1ba home. You may qualify to buy with minimum out of pocket expenses with down payment and closing costs assistance.

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 any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

If you decide you want to buy 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. You will need to gather some documentation for each applicant.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

If you are buying a primary residence you could consider a down payment assistance program such as CalHFA or Sapphire Grant which can cover your down payment and closing costs. You may close with minimal out of pocket expenses. You may consider the CalHFA from a minimum 640 fico score and the Sapphire Grant from a minimum 620 fico score up to 424k.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 424k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 424k.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
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0 votes 1 answer Share Flag
Wed Sep 28, 2016
Rich Reed answered:
The law limits the total amount that the landlord can require you to pay as a security deposit. The total amount allowed as security depends on whether the rental unit is unfurnished or furnished and whether you have a waterbed.
Unfurnished rental unit: The total amount that the landlord requires as security cannot be more than the amount of two months’ rent. If you have a waterbed, the total amount allowed as security can be up to two-and-a-half times the monthly rent.
Furnished rental unit: The total amount that the landlord requires as security cannot be more than the amount of three months’ rent. If you have a waterbed, the total amount allowed as security can be up to three-and-a half times the monthly rent.
Plus first month’s rent: The landlord can require you to pay the first month’s rent in addition to the security deposit.

http://www.dca.ca.gov/publications/landlordbook/catenant.pdf
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0 votes 1 answer Share Flag
Wed Sep 28, 2016
Rich Reed answered:
When you submit a rental application, thelandlord may charge you an application screening
fee. In 2011, the landlord may charge up to$42.41, and may use the fee to cover the cost
of obtaining information about you, such as checking your personal references and obtaining
a credit report on you.

http://www.dca.ca.gov/publications/landlordbook/catenant.pdf

Civil Code Section 1950.6. The maximum fee is adjusted each year based on changes in the Consumer Price Index since January 1, 1998. In 2012, the maximum allowable fee is $49.50.
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Thu Jul 14, 2016
answered:
Well I am not sure what a property deed transfer sale is, but you may try a lease option if you are trying to avoid a short sale.
0 votes 1 answer Share Flag
Wed Feb 17, 2016
Alexander Greer answered:
You need an agent in the new location.

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
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0 votes 1 answer Share Flag
Mon Jul 13, 2015
Mariah Bradford answered:
I have run up against, unfortunately, many sellers and agents that I consider ignorant of current VA and FHA loans.... and who are old-fashioned prejudiced against them. I agree with Neil Case that educating the sellers/agents can often help (I just closed a VA loan this month, and the lender Land Home Financial calling and convincing the Listing Agent of their experience and confidence about closing VA was a pivotal issue in them finally choosing us.)

Unfortunately, with a FHA or VA loan you are often just going to run into old prejudices. I suggest you use a lender local to where you are buying (NOT 1-800 loans) which will be a big factor in assuaging the fears of the listing agent. I also suggest you use a Realtor confident and experienced in closing FHA and VA loans. Not because those loans are so terrible (they arent!), but because your agent may need to be able to convince the listing agent of that fact.
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0 votes 12 answers Share Flag
Mon Jul 13, 2015
Mariah Bradford answered:
You don't need an FHA loan. You need a Manufactured Home Lender, which is a specialty. There are a not as many as you have for "normal" houses but there are quite a few. You are probably going to need to put more money down (10-30%) than you would on a "normal" house, and your interest rate will likely be higher (5-15%), and the loan term shorter (22 years) -- but because the overall loan is likely much less money, your payment will be much less than you would think with that interest rate. The last Manufactured Home Loan that I did was with Mobile Magic and Mark Barlow. We were very pleased with him and he did indeed work magic for my clients buying a mobile home in Pacheco CA. Good luck! ... more
0 votes 2 answers Share Flag
Mon Jul 13, 2015
Mariah Bradford answered:
I am so sorry this happened to you, and I am glad that you have a lawyer on contingency! There is no question that the lawyer will give you much better advice than any online forum. Title and Escrow's JOB is to ensure clear transfer of Title (not just "hold the money") which I am sure will be pursued by your lawyer in court. As I said, I am so glad that you already have an attorney (hopefully a very competent real estate attorney) and this is a perfect example of why I believe people should have their own independent Realtor represent them in transactions -- to make sure things are in YOUR best interest. I really hope this ends up well for you! ... more
0 votes 1 answer Share Flag
Tue Sep 16, 2014
Alexander Greer answered:
It really depends on what site trulia is getting the information from. If you can send me the address I can take a look.


I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
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0 votes 1 answer Share Flag
Tue Aug 26, 2014
Claudia Muller answered:
Short sale waiting period for conventional financing has now been extended to 4 years from date of incident.
0 votes 6 answers Share Flag
Sat Feb 1, 2014
lalato answered:
Tagging on to Neil's point about BART. Instead of BART, directly from Berkeley, you can take the commuter train Capitol Corridor which stops in downtown Martinez. It's about a 25 minute train ride. The train stop in Berkeley is an easy bicycle ride to campus. ... more
0 votes 5 answers Share Flag
Fri Apr 19, 2013
Don Tepper answered:
You might be able to locate her in the "Find a Pro" section. There's a tab at the upper right hand corner of the page.

I agree with you, too, about quality pictures. Frankly, no agent should be using a smart phone to take listing pictures. Period. And most agents don't know enough about photography to be taking pictures in any case.

Hope that helps.
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1 vote 3 answers Share Flag
Tue Jan 1, 2013
Pacita Dimacali answered:
Once the property is sold, your obligation is only to the NEW owner, not the previous one.

You should also receive a notice about who is the new owner

First, do you have a lease that is still in force? If so, the new owners should respect that lease.

If the new owners wants to occupy the property themselves, they should give you the proper notice and/or you can ask for them to buy out the rest of your lease. Perhaps you can come to a mutual agreement on what it will take for them to have you move. This is typical of "cash for keys"

Good luck.
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0 votes 3 answers Share Flag
Tue Aug 28, 2012
Yasumi Davis answered:
Martinez is a small friendly community. If you go close to downtown, homes are older and smaller. There are lots of newer homes along HWY 4 and closer to Pleasant Hill borders. I would recommend looking in Pleasant Hill and Concord too. Walnut Creek is a nice town, but pricer. ... more
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Wed May 23, 2012
Robert Chomentowski answered:
Lenders look at townhouses and condos the same way...townhouses are still condo style ownership. You should be fine with 20% down on both.
0 votes 2 answers Share Flag
Tue Sep 15, 2009
Bob Georgiou answered:
Absolutely they can. The lender should have been doing this long ago. Many owners when they move up (especially in this area) keep their first condo's investments and buy up with savings or good financing. This was very prevalent in the boom where 100% financing was rampant. Now that the market has "corrected" many entry level associations have been devastated or are at risk. IT's the at risk associations that the banks are worried about. By limiting FHA buyers to healthy associations, the government is putting pressure on those sellers with equity in thier starter home/investments to cash out and force owner occupancies up.

It is widely belived that high owner occupied associations are percieved to be nicer overall proeprties. In this area I don't necessarily agree but its the people in Washinton that make the rules.

Suz, stay the course and good luck!
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Fri Aug 21, 2009
Bob Georgiou answered:
Nothing, really if they are paying all cash. It is adviseable to open a checking or savings account and consulting an accountant proficient in international accounting but not mandatory. She will have to be here in the US for the closing, unless that law changed and have some form of valid ID for a notary which is will be a challenge within itself.

Disclosure: The only transaction I did was pre 9/11 Patriot Act.
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