Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Home Buying in Concord : Real Estate Advice

  • All249
  • Local Info18
  • Home Buying107
  • Home Selling10
  • Market Conditions9

Activity 133
Wed Oct 4, 2017
connoranne answered:
I was personally sick of doing the same thing, my husband and I had ended up finding a house that we loved. we found out later do to my crappy credit I needed to get some collections and judgments removed before we could do anything. our rep had told us about Select us and how they could help our score so we could get our house. and that they did with in 6 months I was in my dream home with a better credit ... more
2 votes 30 answers Share Flag
Wed Sep 6, 2017
Frank Sandoval answered:
There are specific rules that govern whether or not a creditor can change the fee amounts listed on a loan estimate once the estimate has been issued.

The following costs or terms may change without regard to tolerance limitations:

- Prepaid interest, property insurance premiums, amounts placed into an escrow, impound or reserve or similar account;
- For services required by the creditor, if the creditor permits the consumer to shop and the consumer selects a third party provider not on the creditor's written list of service providers; and
- Charges paid to a third-party provider for services not required by the creditor.
However, creditors may only charge consumers more than the amount disclosed when the original estimate charge, or lack of an estimated charge for a particular service, was based on the best information reasonably available to the creditor at the time the disclosure was provided.
Charges for third-party services and recording fees paid by the consumer are grouped together and subject to a 10% cumulative tolerance. This means the creditor may charge the consumer more than the amount disclosed on the Loan Estimate for any of these charges so long as the total sum of the charges added together does not exceed the sum of all charges disclosed on the Loan Estimate by more than 10%. These charges are:
• Recording fees,
• Charges for third-party services.

All other charges are subject to zero tolerance. That is, creditors are not permitted to charge consumers more than that amount disclosed on the Loan Estimate under any circumstances other than the previously discussed changed circumstances.
... more
0 votes 3 answers Share Flag
Fri Aug 18, 2017
Ellie Waters answered:
The costs of the sale and the debt owed to the foreclosing mortgagee are paid first.
The mortgagee’s only interest in the property is to be fully repaid, however, so if any money is left over, the mortgagee doesn’t get to keep it.
The surplus is distributed to owners of junior interests in order of priority (which is generally the order in which the interests were created).
The sale extinguishes junior interests in the property, so these parties have a claim against the proceeds to compensate them for their loss.
Look at dummies dot com to read complete answer
The mortgagor gets to keep any money that’s left after paying the junior interests.
... more
0 votes 13 answers Share Flag
Thu Aug 10, 2017
Kirkswilliams answered:
Tue Jun 20, 2017
Rich Reed answered:
Hi, Meagan. The short answer is yes, it's possible.

The longer answer is that there may be a procuring cause dispute between your old broker and your new one. Agents typically work for a broker and your purchase agreement, and other agreements, are actually with the broker not the agent. When you are represented by an agent/broker a legal "Agency" is created. Some possible reasons to seek termination of Agency could be due to the broker's/agent's professional abilities or conduct. Examples could include misrepresentations or failure to disclose, lack of knowledge with an area or type of property, being non- responsive to the client by failing to be timely or return calls, disclosures of conflicts of interest, self-dealing or negotiating skills. You should be certain that any Agency you have with your old broker is properly terminated. You should advise your new agent of the previous purchase agreement.

Many difficulties between clients and real estate professionals result from misunderstanding, miscommunication, or lack of adequate communication. If you have a problem with a real estate professional, you may want to speak with them or with a principal broker in the firm. Open, constructive discussion often resolves questions or differences, eliminating the need for further action.

If your agent is a Realtor (not all agents are Realtors), you could also seek help from the CAR Ombudsman at http://www.car.org/marketing/clients/resources/

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!
... more
0 votes 3 answers Share Flag
Thu Feb 23, 2017
Aaa5aa answered:
Apply first with Lendingtree to see if anyone will qualify you with your current situation.
Plan B is check with USDA who offer 100% financing on rural or semi rural properties.

A 5% down payment is no longer an option.
Current dp is now 20% thanks to the housing crash in 2008 when adustable rate loans were misunderstood by borrowers. Foreclosers were at an all time high.
... more
0 votes 28 answers Share Flag
Mon Jan 16, 2017
Sue Wellever asked:
The area is in Downtown Concord CA. The home is approx three blocks from Todos Santos Plaza . The home also is located on a street that has commercial businesses as well as residential…
0 votes 0 Answers Share Flag
Tue Dec 6, 2016
Rich Reed answered:
Is the nc sp also a Realtor? If she is, you could seek help from the C.A.R. Consumer and Realtor Ombudsman Hotline by calling (213) 739-7227 or emailing the Ombudsman Hotline at ombudsman@car.org.
If the nc sp is a Realtor, then she should have asked if you are a party to any exclusive representation agreement, and stopped when you said you were. She and her broker could be disciplined and possibly have to pay commission to your original broker and agent.
It would be inappropriate for a broker to record a lien against a buyer who may owe a commission due to a buyer-broker agreement because the claim against the buyer is for money. But, your original broker could demand that you pay the commission and take legal action against you. If I were your broker, I would get the commission from the nc agent/broker, not from you.
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 to you!
... more
1 vote 2 answers Share Flag
Thu Dec 1, 2016
Douglas Phillips asked:
Sun Jul 24, 2016
Susie Kay answered:
I would suggest that you work with a local realtor to assist you in purchasing your home.

Best,
Susie Kay
Realtor
United Real Estate
469-371-2899
0 votes 2 answers Share Flag
Tue Mar 29, 2016
answered:
I would be more than happy to help you.

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
... more
0 votes 2 answers Share Flag
Mon Feb 29, 2016
Arpad Racz answered:
Hi,

Checking the Local Market Data on Trulia, under the Browse tab may give you some Market Trend data for your area.

Kind regards,

Arpad
0 votes 2 answers Share Flag
Wed Nov 25, 2015
Arpad Racz answered:
Hi,

Will you be using Bart to commute?

Kind regards,

Arpad
0 votes 3 answers Share Flag
Thu Nov 19, 2015
answered:
Heather: The question is why are those scores so low?
Do you have your credit cards at their limit? Bringing those down can surely help your credit scores.
If the credit scores are low due to non payment, late payments, collections, charge offs that would be more difficult to fix. ... more
0 votes 10 answers Share Flag
Tue Jul 28, 2015
answered:
I would be more than happy to put you in contact with one of my preferred agents in the area and they would be able to provided you with quite a bit of information on the community.

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
... more
0 votes 1 answer Share Flag
Sat Jul 25, 2015
Squirearl asked:
is there any social networks and community board for ellis lake park neighborhood?
0 votes 0 Answers Share Flag
1 2 3 4 5 6
Search Advice
Search

Followers

270