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San Jose : Real Estate Advice

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  • Local Info147
  • Home Buying890
  • Home Selling131
  • Market Conditions32

Activity 2,768
Mon Aug 7, 2017
LANA shapoval answered:
Hello! I can help you.
Visit pls www.myhomesus.com
0 votes 2 answers Share Flag
Sun Aug 6, 2017
Lancaster1981 asked:
Sat Jul 29, 2017
answered:
Hi Dmitry,

Tim Jarvis 408-238-4606 may be able to assist you.

His website is http://e-constructionloans.com

Best regards,

Elva A. Wormley
Mortgage Consultant
Office (408) 615-8500
C2 Financial Corporation
www.BestHomeLoanAdvice.com
2845 Moorpark Avenue, Suite 209
San Jose, CA 95128
NMLS #331981 / BRE #01274093
... more
0 votes 1 answer Share Flag
Fri Jul 28, 2017
Jan LaPointe answered:
Seriously look at why they are so underfunded. IF they just replaced roofs or did a lot of cosmetic upgrades (painting, sidewalks, driveways) within the past couple years, they could appear to be a little low on funding, but the major obligations have been met. If they are underfunded because they are spending everything they get, or just not managing their money then run!

Check to see whether they've had any or many special assessments. If its time to reroof and there's no funding, everyone gets hit with a special assessment to cover that expense. And that will come out of YOUR pocket too! It isn't a choice, its a financial responsibility.

I know of an association that was well funded in the past. A board came in that wasn't as structured or involved with the process; and wanted to be liked so they didn't raise dues, didn't enforce certain rules, etc. And things got a bit lopsided. New board has worked diligently and has finances back on the road to recovery. Getting homeowners back on track is a bit more challenging.

Summation: If you find funding low because they ARE taking care of the property and dues are appropriate for insurance, maintenance, future repairs; then it could be a good deal for you. If they've just lost interest in managing their funds and maintenance responsibility, find another place to purchase!

Do make certain you check the rules & regulations and CCRs to make certain they are something you can live with and next to - rules for noise, pools, available parking, monthly dues, special assessments . . . all important items!
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0 votes 12 answers Share Flag
Sun Jul 23, 2017
Susie Kay answered:
To some buyers the bottom line is money and not the service or the knowledge that you bring to the table. Trust me, when there's a problem they expect you to put 100% to help them.


It is up to you to determine your business model. I think we all have experienced what your went through. Don't let it bother you and move forward.
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0 votes 9 answers Share Flag
Thu Jul 20, 2017
answered:
Hi Bidforfm,

Try Tim Jarvis at 408-238-4606. He specializes in construction loans.

His website is: http://e-constructionloans.com/

Best regards,

Elva A. Wormley
Mortgage Consultant
Office (408) 615-8500
C2 Financial Corporation
2845 Moorpark Avenue, Suite 209
San Jose, CA 95128
NMLS #331981 / BRE #01274093
... more
0 votes 1 answer Share Flag
Wed Jul 19, 2017
Arpad Racz answered:
Hi,
How close is the unit to the bart line and nearest station?

Kind regards,
Arpad
0 votes 2 answers Share Flag
Tue Jul 18, 2017
Vanessa Pena answered:
Sun Jul 16, 2017
sean park asked:
Sat Jul 15, 2017
K Newak answered:
We bought a unit in this community last year as an investment property due to the close proximity to the new Apple Park campus and Cupertino schools. We have seen quite some changes in the HOA management over the past year that would do good to the community in the long term.

The units are in good condition for a community at this age and compound is beautiful. More importantly they are mainly occupied by hard working middle class families who value community and education. I can't feel happier whenever I walk around the tranquil compound with mature landscaping and hear piano or violin music practice from kids in the neighborhood or laughters from kids riding bikes in the compound.

Also, my recent dealing with the HOA management due to a clog is quick and prompt. Street parking is tight, but considering the units come with 1 desicated garage space and 1 permit space (first come first serve,) this is acceptable comparing to parking situation in the City.

For us, it is a keeper.
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0 votes 13 answers Share Flag
Tue Jul 11, 2017
Vasmang Fmae asked:
Our home's current property tax is based on when home was bought at half the price it is now. Elementary school is excellent, but others are okay. New home price would be $100K-$300K more,…
0 votes 0 Answers Share Flag
Tue Jul 11, 2017
Cm253908 asked:
Hi, my name is Chengyuan Ma. I am the owner of 1960 N Star Court. I want to rent my house. There is an existing post in trulia already for my house. I think it is deviled from zillow. However,…
0 votes 0 Answers Share Flag
Mon Jul 10, 2017
Paulshahbazi asked:
Mon Jul 10, 2017
Mscohen2011 answered:
real estate commission rates in San Jose, CA
0 votes 17 answers Share Flag
Mon Jul 3, 2017
Kathy Burgreen answered:
You seem to misunderstand how Rent To Own or Lease To Own works. This method requires you to pay a large upfront deposit which goes towards the purchase of the home + you pay a monthly rent determined by the owner + you pay a monthly premium amount which goes towards the down payment. You will also be required to sign a contract. The contract typically states that if you don't purchase the home for whatever reason, the owner / landlord will keep all of your money. You do not get any refunds. This is why Rent To Own is a great deal for sellers / owners and a very bad deal for renters.
As much as you think you will buy that home, you need to think: Since a typical Rent To Own lease is 1 - 3 years, suppose at the end of the lease, you don't qualify to buy that house. Lenders will need to verify your employment, income, savings, credit, debt to income ratio and tax returns. If you can't get a loan from a lender, the owner / landlord is not going to sell their house to you and will keep all of your money.
Another situation: suppose you lose your job, have a medical crisis, find a job out of town and need to move elsewhere, etc. You're not buying that house and you just lost thousands of dollars.

Your best method is to continue renting the regular way, save up some money until you're ready to buy, then talk to a lender. Sorry but you need to rent for now.
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0 votes 1 answer Share Flag
Mon Jul 3, 2017
Susie Kay answered:
I would suggest that you speak to your attorney. Sometimes a single letter from your attorney to them will do.
0 votes 2 answers Share Flag
Tue Jun 27, 2017
answered:
According to the credit reporting agencies the models for credit scoring are fluid.
What was relevant five years ago is completely changed for today's market.
Student loans do not effect your credit as much as a credit cards.
Credit scores will recover nicely when your credit balances go under 50% of the maximum limit.
The interest rates on those credit cards is significantly greater than the student loans. Paying down those credit cards is going to give you a 'bigger bang for your buck'.
... more
1 vote 9 answers Share Flag
Mon Jun 26, 2017
Ana Rao answered:
Mon Jun 26, 2017
Scott Godzyk answered:
That is what AS IS means. In these cases i have my buyers inspect major things before we make an offer. The however, is that if you already signed a contract and find something, you can ask them to fix or credit you, they can say no, but could say yes. This is where a good buyer agent comes in handy to guide you ... more
0 votes 7 answers Share Flag
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