I agree with the comments below - you'll definitely want to work with a knowledgable local Realtor to help you with this process as it can be quite complex and daunting, especially for a first time home buyer. There are some programs that will help first time buyers get loans with a low down payment so if you were to qualify for one of those or can find a lender that works with low down payment buyers, it's entirely possible that you could purchase without much down. That said, the general rule of thumb that lenders look for is a minimum of 20% down payment, depending on your credit, income, debt and other financial factors.... more
If you didn't remove the contingency and it (or the extension of the contingency) has yet to expire you should be fine to pull out of the deal. Check with your real estate agent to find out for sure given your specific situation.... more
There are many homes in SF that were built in the early 1900s, but many of the homes from that era were destoryed in the fire/earthquake in 1906, so there are few buildings standing today from before then. It's also worth noting that records were destroyed in the fire, so some buildings with tax records showing build date before 1906 may actually be much older than stated, since they had to guess at some buildings records. I'm actually just about to list homes in 2 pre-earthquake buildings for sale (a 3 unit building, and a condo)!... more
There are definitely some parts of the bay area where prices are lower than others, but I see no reason to believe prices will drop any time soon. That said, it does seem to me that price rises are starting to slow down in many areas - meaning the market might flatten out a bit in comparison to the past several years, but if I were you, I'd expect prices to remain high for quite some time.... more
Since your agreement was in writing, you can go to small small claims court. In New York you can find small firms that specialize in these like www.realplus.com . This is all they do so they are definitely reliable. I am sure that you can find some reputable firms in California as well.... more
They are only responsible if they are the ones who stole it. Your odds of having your car stolen in a gated area are much less than not being in a gated area so you are one step ahead of the games already. Sorry that happened to you and I wish for a quick recovery of your car.... more
Don't ever trust a realtor that tells you that you can not use own realtor and must only use them. They are already dishonest and only out for their own gain. Any realtor that blocks other buyer agents to bring in potential buyers to sell a property is doing a disservice to their sellers. Any realtor that talks their sellers into selling their house like this is a liar and a cheat. Why would any seller not let 10 or 20 buyers into their home wanting to make offers? That's the only way to get the strongest offer available. Buyer and Sellers need to stay away for people like this!... more
I am a broker specializing in Bernal Heights. I have a lovely listing it's an in law apt, just coming up. Will be in the 1 million range. Let me know if you are interested. email@example.com
There is no Whole Foods in Bernal, however, they do have a great natural food store on Cortland street, which carries a lot of daily needs. The neighborhood has gentrified a lot in the past 10 years, and is in very much demand. I have worked and lived in this neighborhood for thirty years, and know it inside and out.
Tap me if you need more information
Florence Monzasch... more
Many banks will have loan officers who are fluent in various languages, including Russian. Contact your local bank and ask if they have someone who can work with you in Russian, or someone who can help with translations. Good luck!... more
You should have the HOA documents reviewed by an attorney who specializes in condominium law. They will know the most current laws and regulations and will be able to advise you on what you would need to do to change the existing agreement. Please contact me for a referral to an attorney.
Maureen McGinley License# 01049345
Coldwell Banker Previews International
1560 Van Ness Ave.
San Francisco, CA 94109
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