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Home Buying in California : Real Estate Advice

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  • Local Info95
  • Home Buying1K
  • Home Selling180
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Activity 29,364
A few hours ago
Scott Godzyk answered:
This is why a good buyer agent will tell buyers to only close when the seller has vacated the property. Where you have closed, you may need the opinion of a lawyer on what your legal options are. I wish you luck in working things out ... more
0 votes 2 answers Share Flag
A few hours ago
Sally Grenier answered:
I like to have my clients get an inspection about 10 or 11 months after you move in. This way, if anything comes up, you'll still be under warranty and can go back to the builder with a list of items they need to correct. For the walk through, that really the time for inspection issues. It's usually an opportunity to "blue tape" things that they can fix easily (cosmetic issues usually). ... more
0 votes 4 answers Share Flag
A few hours ago
Cathymcclusky123 answered:
Is the township responsible for fencing a creek in my backyard?
0 votes 26 answers Share Flag
A few hours ago
Kathy Burgreen answered:
You need to contact a realtor who can email you listings of what is available in your price range and with your specific criteria.
0 votes 2 answers Share Flag
A few hours ago
Kamjam211 answered:
I would hypothesize that most homeowners wouldn't be down to pay $250/hr upfront when there's so much uncertainty as to how long it will take to sell a property.

Despite all the complaints about 6%, etc. paying nothing upfront and having someone bear all the risk of investing his/her time sounds like a pretty good deal for the seller! ... more
0 votes 83 answers Share Flag
A few hours ago
Kathy Burgreen answered:
Nobody here can answer your question because we don't know your credit score. Your credit score is critical to determine your interest rate which affects your monthly payment. If you plan to put 5% down ($10,000.), you will be required to pay mortgage insurance. Mortgage insurance is to protect the lender in case you default. On an FHA loan, the insurance stays for the life of the loan. You cannot remove it. On other types of loans, it can be removed under certain circumstances.

Estimated mortgage payments shown on listings use a hypothetical buyer who has a 20% down payment + a credit score of 800+. If you don't have this, your monthly payment will be much higher.
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0 votes 1 answer Share Flag
Yesterday at 12:56pm
Rich Reed answered:
It would depend on the terms of your purchase agreement. If you used the CAR RPA-CA then yes, the Buyer shall give Seller, at no cost, complete Copies of all such Investigation reports obtained by Buyer.
Hope this helps!
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0 votes 1 answer Share Flag
Fri May 26, 2017
Findingme1965 answered:
I absolutely think you should buy rather than rent. We did not have a down payment or even money for closing cost just money for appraisal and inspection. Oh and for the I forgot the real term but it's basically a good faith down payment. I found out there are so many programs out there that help with down payment assistance that would include closing cost.. If you are able to qualify with good credit it would definitely be less than rent. And the include the tax in your monthly payment along with insurance and everything and it's still less than rent. The only thing is if you don't qualify for at least $150,000 it is so hard to find a place in Southern California well I should say California in general. I live in Northern California and we decided to leave to buy the house because we live in Monterey and there was no way we could buy a house up here. But our rent went up and are loan is not as much as we would have liked so it was a little difficult to my place that would be in our price range. Being that we are in our 50s and we are first time buyers we learned a lot read everything you can about home buying Home Inspections appraisals anything that Trulia realtor.com or Zillow gives you to read about the home buying experience read it you will learn so much. I found it very helpful and now we are getting ready to purchase a place in Hemet. So Fontana is where I children live and in Colton so we're still far from them but we're not 6 hours away anymore once we move down there. But we will miss our perfect weather. Best wishes on your home-buying journey and I hope this helps. One more thing. I found out San Bernardino County has a lot of locations that qualify for the USDA loan which is 100% financing and also pays for your closing costs. You can look up the USDA on Google and also look at Cal HFA and Cal HFA zip or I think it was Cal zip one of the two but either way they help with the down payment assistance and even closing cost. Hope this helps ... more
0 votes 210 answers Share Flag
Fri May 26, 2017
Mike Mitchell answered:
A house is a type of structure and can be owned in a number of ways. A CONDO is a type of OWNERSHIP and does not have to be any particular type of structure. It could be a townhouse, a house, a previous apatrment, a previous multi-family unit, etc. ... more
0 votes 10 answers Share Flag
Fri May 26, 2017
Plattworx answered:
Gosh, I am new to the industry but have friends in it for many years. I believe most of the sites like this one GET their information from the MLS so your agent would necessary have "more" listings unless it's something his/her office just secured and haven't put on the MLS yet. Second, the tools your realtor has depends on her office in many cases and what they have. Personally when I was a homebuyer I LIKED doing my own research in concert with my realtor who I still consider AMAZING to this day and did not wish to be shown any properly I wasn't sure I was interested in. To your third question YES I think a realtor should have notes on what you like and don't like and is wasting time by sending you anything else without reason.

I think your realtor may be GREAT. However, I have heard endless horror stories of buyers who expect a realtor to be in endless contact and show them dozens of properties and then never buy or never like anything. As professional as your realtor is they don't earn a penny until you buy a home and the closing happens. I am not saying you are asking too much but it is an industry problem that causes some realtors to focus MUCH more on their sellers.
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0 votes 22 answers Share Flag
Fri May 26, 2017
Rich Reed answered:
Hi, Gino. Entitled? Probably not. Can you ask? You could ask, but if the Seller performed according to the agreement (disclosures, etc.), I wouldn't expect a refund. Are you working with a Realtor? Your agent should be familiar with the terms of your purchase agreement and advise you how to proceed. Usually the Seller is not bound to agree to repairs, but your agent may be able to negotiate a price reduction or closing credit instead of repairs. Your agent could remind the listing agent that all facts materially affecting the value or desirability, such as discovered by your inspections, must be disclosed to any subsequent purchasers, so negotiating with you, instead of relisting, could produce a win-win.
I am a real estate broker qualified to advise you on California real estate matters, not the law. If you desire legal advice, consult with an attorney.
Hope this helps!
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0 votes 2 answers Share Flag
Thu May 25, 2017
Rich Reed answered:
Hi, Karla, are you working with a Realtor? Your agent should know how to handle this.
If a C.A.R. form RPA-CA was used and the buyer and seller properly executed the agreement, there are exactly ten reasons why a seller may cancel. "The Seller doesn't want to sell" is not one of the ten reasons!
Most buyers faced with this situation just want to be made whole by getting their deposit back along with compensation for expenses, if any, and look for another suitable home to purchase. But, it may be possible, if you wanted to buy the house and you fully perform your part of the purchase agreement, to seek "specific performance" and force the sale or seek damages; you would need to consult with your attorney about possible remedies.
I am a real estate broker qualified to advise you on California real estate matters, not the law. If you desire legal advice, consult with an attorney.
Best of luck!
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0 votes 1 answer Share Flag
Thu May 25, 2017
Angelica Fast answered:
Similar situation here. Husband and I (38 and 35)moved to LA from Texas . We looked for about a year and finally found one in a nice neighborhood, 3 months ago. We paid 775k . The key for us was that we have no debt and Put 30% down. Combined we both make $260k Additionally, we did our research , hubby even made a cool spreadsheet with amortization costs, taxes , insurance etc etc . Just save money for down payment, get rid of debt and be realistic about what can you afford . ... more
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Thu May 25, 2017
Sheryl Arndt answered:
Hello Almightysavo, there is no such thing but if your meaning a lender to pre-approve you with your social security income that is not a problem. .

Do you have down payment and closing costs or do you need down payment and closing cost assistance programs? How much do you pay in rent and what is the maximum payment you are looking to achieve?

The purchase in 92107 zip code start from 410k for 1bd 1ba condo and up. You will need to be pre-approved to be able to know your purchasing power and how much you qualify to buy.

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.

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. Any agent can assist you once you have a pre-approval letter from a lender like myself.

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.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
Credit Repair Advice At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 1 answer Share Flag
Thu May 25, 2017
Elva Wormley answered:
Hi Jonathan and Eva,

I may be able to assist you. I have several loan options for buyers who are credit challenged. Please feel free to give me a call or email me.

Best regards,
Elva Wormley ... more
0 votes 2 answers Share Flag
Wed May 24, 2017
David Carson answered:
I commute from the back of the valley in Linda Mar into the City every day for work, and also surf as often as I can, so I get a very good look at where the "fog line" is day in and day out. First, you should probably consider that for about half the year, fog is not a big issue anywhere. From about mid-October through mid-April, it's either sunny everywhere around San Francisco, or it's cloudy and/or rainy. But the fog does play a big role in our weather for the other half of the year, and since that's otherwise the sunny half, it's even more important to many people. It's also worth nothing that the fog waxes and wanes both day to day and within the course of a day, in response to changes in the atmosphere.

That said, there is definitely a "fog zone" in the Bay Area where from April to October, on most days, for most of the day, there is a layer of fog and low clouds present. If that's an issue for you, you should definitely take it into account. The basic issue for understanding the fog zone is that the fog is sucked into the hotter inland areas through gaps in the coastal mountains along the coast. Because of that, even as the clouds burn off through the day, more clouds are sucked in behind them, so if you are in the gap, even miles from the coast, you don't see the sun, even as other places right on the beach a few miles away are basking in it.

The two big features determining the movement of fog and low clouds on the north Peninsula generally are the San Bruno Gap and Montara Mountain. The fog, wind and low clouds flow over the southwestern corner of San Francisco, Daly City, and the northern end of Pacifica on their way east to Colma, South San Francisco, and San Bruno. A little further south Montara Mountain rises 2000 feet from the sea, and redirects the fog, wind, and low clouds away from East Sharp Park and Valley Mar to an extent, and then more so from Linda Mar, to the greatest extent the further south and east you go. Over the hill, you'll notice that Hillsborough and Burlingame also enjoy the protection from Montara Mountain, though the difference between them and communities north and south is obviously not as dramatic.

So on a typically foggy day, on my commute home, I'll shiver as I walk from through the Daly City BART station to my car, and it will be foggy everywhere until I reach the corner of Fassler and Terra Nova, and then it will be sunny all across the Linda Mar Valley from about a half-mile or so in from the coast to the back of the valley. My wife who works from home will be surprised that it's foggy anywhere in Pacifica, as she's been enjoying hours of warm sunshine! So moral of the story: if fog matters to you in Pacifica, go south and east in the city as far as you can!
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0 votes 6 answers Share Flag
Wed May 24, 2017
Mary answered:
Hi,

Thank you for reaching out and I apologize for the inconvenience this has caused you. The photos have been removed from our display as you requested.

https://www.trulia.com/homes/California/Mill_Valley/sold/1598682-120-Hazel-Ave-Mill-Valley-CA-94941

Please let me know if you have any additional questions.

Thank you for using Trulia!

Mary
Consumer Care Advocate
http://www.trulia.com/help/ask/
... more
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Wed May 24, 2017
Larry Managkotay answered:
I would recommend you using River View custom home builder, they're offering to build luxury new home or large scale renovation at affordable price rates than the other that I've googled, if you have questions or your interested, visit their site here: http://riverviewcustomhomes.ca? I hope it helps ... more
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