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Home Buying in Oakley : Real Estate Advice

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  • Local Info3
  • Home Buying24
  • Home Selling3
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Activity 22
Thu Jan 26, 2017
Sheryl Arndt answered:
Hello Monica, the numbers pencil out fine for an FHA purchase loan at 600k sales price or perhaps a little more depending on your debts. No reserves are required on FHA unless you have really low fico scores which you do not.

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. Let me know if you need assistance or have any questions or concerns.

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
... more
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Sun Aug 7, 2016
Rich Reed answered:
I sounds like you could benefit from the services of a local Realtor. Realtors can customize searches in many more ways than online services. Corner lots, pools, single story? No problem. They can also send you new listings as soon as they are posted. ... more
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Sun Aug 7, 2016
Rich Reed answered:
I sounds like you could benefit from the services of a local Realtor. Realtors can customize searches in many more ways than online services. Corner lots, pools, single story? No problem. They can also send you new listings as soon as they are posted. ... more
0 votes 1 answer Share Flag
Thu Nov 12, 2015
Darrell D. Drouillard answered:
Before it is classified as a bedroom, it most have an adequate square footage openable window as a means of ingress/egress. The size of the window opening is determined by the size of the room and may follow current building codes or may be more stringent based on your municipality. Also, every wall in a bedroom should have an outlet. Lastly, depending who you ask, most will say that a closet must be included to classify as a bedroom. In regards to the process - especially if you need electrical in the added room, i would contact your local municipal permit office as procedures vary by location. Good luck. ... more
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Sun May 24, 2015
Joseph Domino answered:
This was a common form of Real Estate fraud years ago, I did not think it was still happening. They record a new deed with your county assessor using fraudulent documents.

You need to contact an attorney that can begin researching the title. Then straighten out with the county. ... more
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Sat Dec 6, 2014
nobodycares answered:
Yes if you google city with HIGH property taxes Oakley is listed as high. My home was built in 1992 and I pay almost 7000.00 in Taxes. There are a lot of bonds that I did not vote for but I am paying. Realter did not disclose that Oakley has high taxes. ... more
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Mon Aug 18, 2014
rlee010499 answered:
Be sure to check the HOAs, backyard landscape on you and must be in place within 6 months, also landscape plans has to be approved by their association. If the lot has tall grass at edge of your shoreline, it stays as filtration and cannot be cut so access to water is limited. ... more
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Mon Nov 18, 2013
mary.story answered:
what does your ability to buy look like? have you been pre approved? someone checked your MORTGAGE credit scores? it looks like you are in Texas? are you looking to purchase a non owner occupied property? you need to be preapproved .
call me at 925-513-9293 and I will look into it for you
... more
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Mon Nov 18, 2013
mary.story answered:
I am just down the street from you and have put a lot of your neighbors into their homes! almost everyone in the world has one problem or another. I would be happy to help you. I can analyze your credit and direct you as to what needs to be done .. I can also help you determine if you are eligible for down payment assistance.

Mary Story
Mortgage Analyst
Sunset Mortgage
Brentwood, Ca. 94513
925-513-9293 office
925-963-6011 cell
... more
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Wed Sep 4, 2013
JR Thrasher answered:
Some lenders can help you with advice to get your credit score up in a short period of time. When you are talking to lenders be sure to choose one that sits down with you and goes over your credit report. Listen to the advice they give you and follow it.

J.R. Thrasher
www.SanDiegoRealEstateVeterans.com
619-929-0105
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Fri Jul 19, 2013
grl4c answered:
Any person (individual or builder) selling a home (via conventional means) is required by Ca Gov Code to provide a Notice of Special Tax to any buyer. Any Special Tax or Assessment where there is a lien attached to the property will show up on a title report. Most Special Tax Districts are formed, and the lien recorded prior to the undeveloped lot being subdivided. ... more
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Fri Jul 5, 2013
Tony Abad answered:
Gwen - Have you found what you are looking for? Contact me - Bidding on homes in this market is tricky and it will not cost you anything for my services (which is paid by the seller).
0 votes 2 answers Share Flag
Thu Apr 18, 2013
Andrea Sarmiento answered:
Hello Emikrut!

There are two communities in the "Summer Lake" area built by Meritage. Since I do not know if you are buying resale or brand new, I will give you the information I have on both.

River Run, still has homes available and their HOA is $106/month and covers the same amenities as Anchor Bend.

Anchor Bend used to be $85/month when Meritage was selling and it covered the clubhouse, community center, park, basketball, swimming pool, greenbelt, tennis, soccer, playground, lake, trails and views. Since this community is sold out, ithe HOA may have had a price increase to $106/month. I cannot be sure.

I pray this helps!

ANDREA M. SARMIENTO, AGENT
415-424-3864 Cell
925-776-1100 Office
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Mon Apr 2, 2012
Kamal Randhawa answered:
Hello Foximama,

Your friend is right about those cities offering extra incentives but the the homes may be a little of your price range.

However, you can get a great home in Brentwood if you are not 100% set on Oakley. Also, please be aware of extra taxes that come with these new devlopments as they can be twice or thrice as much as other properties that are older.

If you like, I can show you some homes in either of these cities in your price range...and help you obtain information about taxes as well.
... more
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Sat Sep 24, 2011
Robert Chomentowski answered:
Are you talking about trustee sale auctions of foreclosures at the courthouse steps or properties being auction by companies like auction.com, Hudson & Marshall and Williams and Williams? I think Ron described the former well. The latter are different. These companies auction properties for bank owned properties. With these auctions you can actually inspect the property and get a loan. However you have a 5% deposit up front that is non-refundable. Also, many times you may be the winner bidder, but the bank may reject your offer as too low and refund your deposit. I know a lot of people that have wasted a lot of time looking at these type of auction houses and than don't get the house. But I have seen some screaming deals too. ... more
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Mon Jul 18, 2011
Maryam Farzad answered:
Well SOME power lines are dangerous and you and your family is continuosly exposed to a high level of radiation. And this radiation may cause numerous health hazards. Check this with the local power company which has erected the power lines and the city officials. Check to find out the distance to the property and what distance is considered safe. If they are high powered and close to the house then think very carefully before stepping in. ... more
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Tue Mar 30, 2010
Johnny Huang, MBA answered:
What are you planning to do with the lot? Are you going to farm and sell the fruit/vegetables? Will you expand the house?

The land itself is just land, you may need planners to help you building on it depending on the use of the land. ... more
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Tue Sep 22, 2009
Giantgrunion answered:
No. You DO NOT NEED a Realtor. If you are willing to work for yourself and be active, the listing agent can serve as a "DUAL" agent which actually makes their job harder. God forbid a realtor actually have to work... Oh I know sitting on their @$$ at open houses is tough... If the listing agent has a house you are interested in you can approach them and ask them to work for 3% AND CREDIT YOU BACK THE BALANCE WHICH ON A 200K HOUSE IS $6,000.00. So find a good neighborhood and start looking. Also if you haven't pre-qualified for a loan yet you may want to do so.. Good Luck!!! ... more
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Mon Aug 24, 2009
Brad Stoddard answered:
Hi Roxanne,

You'll have no shortage of lenders offering to help (much like myself! :-) ), so talk to several and get a good feel for the person you choose to work with. I used to be a broker but now work for a direct lender as it gives me more control over your file, plus, we have amazing interest rates. Please let me know if I can help. We offer no fee, no commitment preapprovals and a very, very quick turn-time.

Good luck with your house-hunting!
... more
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Wed May 13, 2009
Viktor Manrique answered:
Short Sale vs. Foreclosures??
Hello Patty, This is an EXCELLENT time to take advantage of the market and UPGRADE your current home! The answer to your question depends on how much time you have, what type of financing you have secured, credit score, how much you have saved up for the down payment, and what your plan is with the existing home.
If time is not an issue and you’re looking for a GREAT DEAL & in pretty good condition, then Short Sale is the way to go, however be sure that your Realtor is very well versed in the SHORT SALE process, and is intimate with the sellers situation, in regard to their financial position, type of hardship they are experiencing, type of loan or loans, indentify the lender. Our average SHORT SALE is taking 50-80 days to close; this is where patience is vital!
Foreclosure Properties are generating “Multiple Offers” and selling for more than asking price, in record time, this being said a high percentage of them may not qualify for FHA financing due to the condition. Foreclosed homes are always sold in AS IS CONDITION, however banks are crediting buyers up to 6% for cost related to the loan. Our office is open daily from 7 AM to 7 PM, please feel free to contact me directly if you find the need to do so. Viktor Manrique—510-467-4911
... more
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