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Home Buying in San Francisco County : Real Estate Advice

  • All139
  • Local Info9
  • Home Buying69
  • Home Selling5
  • Market Conditions2

Activity 1,413
Sun Dec 3, 2017
Susie Kay answered:
I would suggest that your friend pick up the phone and ask for a copy. If you have made several phone calls and they are refusing to give you a copy then there's something wrong. Right now I don't see any reason why you can't ask. ... more
0 votes 1 answer Share Flag
Wed Nov 29, 2017
Arpad Racz answered:
Hi,
A good start would be to look at trends in your specific market area and factor that into your timing decision. If you need local trend info, please feel free to email me from my profile.

Meeting with a mortgage professional will be a good first step in the process.

Kind regards,
Arpad
... more
0 votes 4 answers Share Flag
Wed Nov 22, 2017
Susie Kay answered:
Suzanne,

Having lived in San Francisco for many many years I see where you are coming from asking whether a more affordable place and yet not too cramped exist. I would suggest that you pick up the phone and call a local realtor to assist you. If you ever want and willing to relocate to Dallas let me know. You can get a nice, not cramped home for 1/2 the budget you mentioned above. There are many re-locators here and we have a lot of active retirees as well. We also have an abundance of healthcare providers. I can send you links on what Dallas has to offer if you are interested. ... more
0 votes 1 answer Share Flag
Mon Nov 20, 2017
Avilamaria55 answered:
I purchase a house 1 year ago I was lie to by my Real state agent ,appraisal agent and owners
1. He sad he was in charge of doing the inspection not me he had already scheduled it then he confuse the appraisal inspection with inspection wish is two separate things on purpose appraise and inspection serve two purpose But the was only the beguining he try to get us drunk buying a case a forcing us to drink it
The night we moved in it was Friday Saturday after hours so couldn't call anyone we try to turn on heater it never work he sad he didn't know how to work it but it did work! We left a msg to the owners whom I meet and was told earlier everything work perfectly but she would look ou the invoice or instruction and key for fire place heater that didn't work either, came Monday she left to Canada for over 20 days we wore unable to reach anybody real state agent came back again I had a withness jw whom will help us understand if he knew or didn't about all things wrong and where was our inspection paperwork he never gave us a direct answer ,
2. Appraisal was most lies and I only found out after I pay for an inspector my self
3. The owners whom I meet in person also lie to me and told me while I was recording the video to show it to my husband that fire place and heater work they wore brand new and roof was new for they had no pets ever no smoking was aloud and all this was getting video tape as we spoke I ask for permission to video record before I did Ithey also keep a key of my house still do because supposedly they loved it so much she wanted to continue watering her plants outside I agreed
Also she left a refrigerare she sad it was new a was a distraction or just didn't twant to pay to have it thrown away because I also believed her but it didn't work and spoil all my food over 800 dollars word
The reals stats the seller and the owners as well as the agent that sold me my house are all familiar and friends and the same company who sold me the house is the one who represent me
Please help me I am very ill almost die from gas leak in my water heater located in my bedroom next to my bed and the only source of heater that worked had over 125 leak carbonoxide reading and they also never place an alarm for the lender and city ask that they fix house heater and they just rap it with metal belt and no carbon monoxide and lie again the real state offer me 5000. Dlls to lie and signed a paper saying I refuse inspection and the owner just never answer there phone and sad do what you had to do
I been in the hospital many times for not having heat pheumonia was the first one then just very sick not knowing it was strong leak of gas now my house heater has been cancel because it was also broken to begin with that is why they gave me a key that didn't work for fire heater I have cancer in 4 stage I am dying but I invested all my money on this house for my child to live in after I die but is not worth what they sad and overcharge me on top of all their lies whom do I go after please help me they are also charging me insurance but I put down over 20%
... more
0 votes 16 answers Share Flag
Fri Nov 17, 2017
Janetbrereton answered:
Is it illegal not to give me a copy of my mortgage agreement via the broker./solicitor. I signed the agreement without being given a copy of what I had signed for.
0 votes 25 answers Share Flag
Mon Oct 30, 2017
Claymanb answered:
My elderly mum was also in this position & was asked to provide proof in the form of bank statements by the seller's Estate Agent. I felt this was unnecessary & a breach of her right to privacy. When I took it up with the Estate Agent they claimed it is standard practice although I have never heard of this before. They also said it was to avoid money laundering. I was dissatisfied with this response & felt her Solicitor should have this role & NOT the vendors Estate Agent. ... more
0 votes 63 answers Share Flag
Sat Oct 28, 2017
Frank S. answered:
Hello Razhadi, sure why not if you can afford it although San Francisco is pricey for very small living areas. You may qualify for purchase with ONE MONTH of paystubs at your new job if you have a degree in the same line of work.

You may consider FHA 3.5% down from a minimum 580 fico score and 3% down conventional from a minimum 620 fico score.

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. Once you are employed with a contract you can get a pre-approval letter to get started shopping for a home of your choice.

Depending on the maximum payment/price you are going to be comfortable with you may study the neighboring cities to San Francisco. If you figure out what cities/zip codes you are considering, minimum number of bedrooms, baths you may be emailed listings to study and compare.

You should study RENT vs BUY listings to compare payments and qualifications. Here is a web reference link below to study...
... more
0 votes 2 answers Share Flag
Sun Oct 22, 2017
Linda S Gordon answered:
Life in Diamond Heights is accessible, open space, easy commute and nice people.

Diamond Heights Village is a favorite of mine, the amenities are really great.

I have represented Sellers and Buyers over 20 years in San Francisco.

Please call me. 415.602.1471 sold@linda-gordon.com
LindaGordon.com
... more
0 votes 20 answers Share Flag
Sat Oct 14, 2017
Maggie Gomez answered:
Two years ago I became disabled and am going to have to buy a single story home is there any tax break that I can get for having to buy another home in San Jose, CA
0 votes 15 answers Share Flag
Wed Sep 13, 2017
Susie Kay answered:
That depends on how much you are willing to pay and the comps. I would suggest that you talk to your realtor and ask for her/his advice.
0 votes 2 answers Share Flag
Wed Sep 6, 2017
Briank010998 asked:
I am trying to purchase a home in SF, California approx $500,000-$750,000. My question is, I collect over $100,000 a year in alimony and child support for the past 2-3 years. I Have bank…
0 votes 0 Answers Share Flag
Tue Sep 5, 2017
Jessica Bateman answered:
FHA loans are more relaxed on DTI ratios than conventional loans. The max DTI ratio for most lenders is 41%. However, in some cases the ratio can be as high as 50%. The Lenders Network can refer you to lenders that may be able to work with higher DTI ratios or lower credit scores. ... more
3 votes 15 answers Share Flag
Wed Aug 30, 2017
Zeo Niu answered:
I suggest you start the initial searching first, have a sense of the SF inventories and what's your purchasing power without selling then decide. If then you realize you do need more cash reserve to make the new purchase work, sell your house and have a seller rent back terms on the contract (you can remain in your old house for 1-2 months as the tenant after closing, which gives you more time to search and close your new home.)

Our team has helped clients with similar scenarios for many times. Contact me anytime if you need to discuss more.

Zeo Niu | Realtor | Lic. # 01998250
Better Homes & Gardens | Buyer's specialist & Residential/Commercial real estate
C (415) 644-8078 Email you6ying@gmail.com | weiwei.niu@gobhg.com
Team JDJ Testimonies: http://www.zillow.com/profile/JeffreyDeJesus/#reviews
... more
0 votes 3 answers Share Flag
Wed Aug 30, 2017
Zeo Niu answered:
In my experience, only 2 banks in the Bay Area (Sterling and Bank of Marin) does TIC lending and restriction applies, which give buyer few choices on the financing side. So a cash offer will definitely be very competitive during a bidding war. I don't see a downside when it comes to avoiding financing issues. In terms of buying TIC itself, it's crucial to understand that when it comes to resale, your choice of buyers will also be limited given it's a TIC. However, if the TIC is in the process or has the potential of being converted into a condo, it'll be a very good investment.

Contact me anytime if you need further assistance.

Zeo Niu | Realtor | Lic. # 01998250
Better Homes & Gardens | Buyer's specialist & Residential/Commercial real estate
C (415) 644-8078 Email you6ying@gmail.com | weiwei.niu@gobhg.com
Team JDJ Testimonies: http://www.zillow.com/profile/JeffreyDeJesus/#reviews
... more
0 votes 1 answer Share Flag
Wed Aug 30, 2017
Zeo Niu answered:
It depends on the condition of the house and location since the garage has to meet the setback guidelines/building codes. Can you give more specific details?

Zeo Niu | Realtor | Lic. # 01998250
Better Homes & Gardens | Buyer's specialist & Residential/Commercial real estate
C (415) 644-8078 Email you6ying@gmail.com | weiwei.niu@gobhg.com
Team JDJ Testimonies: http://www.zillow.com/profile/JeffreyDeJesus/#reviews
... more
0 votes 1 answer Share Flag
Wed Aug 30, 2017
Zeo Niu answered:
Very important. You need a lender who's honest, competent and can deliver his/her promise. Efficiency and speed are the keys in the Bay Area since it's still a seller's market. Sellers usually don't like a long contingency, which requires the lender to be thorough with his/her due diligence and the ability to give you a green-light and short closing while not putting your deposit in a dangerous position. Generally, I found most mortgage brokers more efficient and responsive than retail banks due to volume and different guidelines but it really varies case by case.

I found it very important in a bidding war that the buyer has a great lender since it's basically team work with the buyer, the lender, and the agent.

Zeo Niu | Realtor | Lic. # 01998250
Better Homes & Gardens | Buyer's specialist & Residential/Commercial real estate
C (415) 644-8078 Email you6ying@gmail.com | weiwei.niu@gobhg.com
Team JDJ Testimonies: http://www.zillow.com/profile/JeffreyDeJesus/#reviews
... more
0 votes 1 answer Share Flag
Wed Aug 30, 2017
Zeo Niu answered:
Changing the zoning of a house in SF can be a tricky and complicated process. I recommend you check with the city or consult with a seasoned general contractor(who're familiar with the process) before you make a move to purchase. It depends on the neighborhood where the property locates (is it surrounded by RH-1 properties or RH-2?) and the local planning department's blueprint.

Contact me anytime if you want to discuss further.

Zeo Niu | Realtor | Lic. # 01998250
Better Homes & Gardens | Buyer's specialist & Residential/Commercial real estate
C (415) 644-8078 Email you6ying@gmail.com | weiwei.niu@gobhg.com
Team JDJ Testimonies: http://www.zillow.com/profile/JeffreyDeJesus/#reviews
... more
0 votes 1 answer Share Flag
Wed Aug 30, 2017
Zeo Niu answered:
Can you be more specific about the details of your second job? It depends on the industry of your second job (is it the same as your primary job) and how the loan officer evaluates it. Different loan officers from different lending facilities will view it very differently. I happened to work with buyers with second job/complicated financial profiles and helped them figure it out with very seasoned lenders I worked with.

Contact me anytime if you want to discuss further.

Zeo Niu | Realtor | Lic. # 01998250
Better Homes & Gardens | Buyer's specialist & Residential/Commercial real estate
C (415) 644-8078 Email you6ying@gmail.com | weiwei.niu@gobhg.com
Team JDJ Testimonies: http://www.zillow.com/profile/JeffreyDeJesus/#reviews
... more
0 votes 1 answer Share Flag
Wed Aug 30, 2017
Zeo Niu answered:
Given the market condition in SF Bay Area and the tax benefit that comes with having a primary residence, I would definitely recommend buying a primary residence in the Bay Area. It'll be ideal to sell your Oregon investment property in 2-3 yrs if you purchase one to buy something in San Mateo but the housing price wouldn't be the same in 2-4 yrs. The Bay Area market is crazy so I recommend getting something now here when you can. Lots of buyers asked us the same questions a few years and waited only to regret they should have purchased something here back in the days.

Let me know if you want to discuss further.

Zeo Niu | Realtor | Lic. # 01998250
Better Homes & Gardens | Buyer's specialist & Residential/Commercial real estate
C (415) 644-8078 Email you6ying@gmail.com | weiwei.niu@gobhg.com
Team JDJ Testimonies: http://www.zillow.com/profile/JeffreyDeJesus/#reviews
... more
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