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San Ramon : Real Estate Advice

  • All859
  • Local Info44
  • Home Buying594
  • Home Selling14
  • Market Conditions45

Activity 956
Wed Oct 11, 2017
Robert Yearsley answered:
definitely the view, every time. I have lived in many homes, and a view uplifts your heart and makes you feel expansive. Must go back to caveman times, standing on a ridge surveying your domain ... more
0 votes 21 answers Share Flag
Wed Sep 27, 2017
Christian Vallejo answered:
I feel your pain, as realtor I hate to see other colleges advertising Den as bedrooms, when you originally buy a property it would say 1 Bedroom or 2 bedroom + Den.
The tricky part is that usually a Den is smaller than a bedroom, some of the new ones are so ridicules small that they left me with no words to say, I would say they should be called bedrooms if they comply with a minimum of features and space, but space is relative, you can see apartments in Manhattan that are not more than 350sqft,.
Conclusion in my opinion the deceptive advertising is only causing to get professionals and customers angered, for wasting time to go and a see property that never had a change in front of their needs, Buyers looking for 2 bedrooms apto are not just going to cut it easily with an advertised 1 + Den.

I would call every realtor in the nation to stop calling Dens Bedrooms and the Boards to update the system to add the Den option.
... more
0 votes 16 answers Share Flag
Sun Sep 17, 2017
Stephen Tange answered:
Thomas Ranch is a jewel nestled in the western hills of San Ramon. Unlike Gale Ranch & Bridges where there's thousands of homes, Thomas Ranch has 140 homes, no through traffic, low HOA monthly dues & the prices are reasonable. A much quieter community with easier access to 680 & 580. ... more
0 votes 5 answers Share Flag
Sat Sep 9, 2017
Robert Spinosa answered:
The real concern here is how do we preserve excellent rates and terms when the FICO score is less than 700 and you need a jumbo loan. There are several approaches we take:

1) One of our best-priced options (fixed and ARM) will go to a $3MM loan amount with a FICO score down to 680 and as little as 15% down.
2) Several of our other jumbo investors will even reach down to 640 on score, but at the expense of higher rates and more conservative loan-to-value (LTV) in most cases.
3) A few of our programs do not use the lower of the two middle FICO scores for joint borrowers. A few of our investors will use the middle FICO of the primary wage earner and one of our investors averages the scores.

With all of these scenarios, the devil is in the details. I am confident you can find a solution below 700, but when I see these files, my focus is preserving the terms for the consumer and if you think I can help, get in touch. I can cover all of California.

Thank you!
... more
0 votes 8 answers Share Flag
Thu Aug 31, 2017
Welshdove answered:
I too have come across this stigma, I am a older person with limits funds, and minor disabilities. It seems that the words "Section 8" makes you out to be some kind of monster. For me, I cherish the properties that I have liven in... it is my home and for that I want to take care of it, and have a safe and quiet home. So I report problems, and put in maintenance request so that things do not become problems and for that some management label you and ignore you. I wish that properties would understand that not ALL SECTION 8 People want to destroy and steel and make trouble, but live a safe and quiet life in a home that does not need fixing all the time. Life is hard, we do not want more of it. ... more
0 votes 33 answers Share Flag
Thu Aug 24, 2017
Maryjolongyear answered:
The city building department. When a home is built, a building permit is required.
0 votes 8 answers Share Flag
Thu Aug 24, 2017
Prosper Realty answered:
We used to send our clients to just 1 lender but for roughly the last year we've been sending them to Home Loans For All. It's sort of like LendingTree except your phone will not blow up with 100 different lenders calling you every hour on the hour. Home Loans For All has been really good at helping our clients find a lender(s) that could get them approved fairly quickly. I'll include a link to them. Just my 2 cents.

Best of luck!
... more
1 vote 53 answers Share Flag
Mon Aug 14, 2017
Susie Kay answered:
I would suggest that you pick up the phone and talk to a local realtor to assist you.
0 votes 1 answer Share Flag
Sun Aug 13, 2017
Susie Kay answered:
Did you and the landlord sign the contract? If so then she is in for trouble because the contract is binding. If she hasn't and the contract is only signed by you then there's no agreement between you both. Verbal agreement doesn't count, everything has to be in writing. ... more
0 votes 2 answers Share Flag
Tue Aug 1, 2017
Jaredbaer25 answered:
I was told that I didn't have to pay a PMI being a disabled veteran. Here is the screen shot of the paperwork from the lender. Does this seem right to any of you? I thought I was able to purchase the home, for the price which was agreed upon. (Which was 121k), With a 4% fixed 30year. Why am I borrowing a total of 125k? This says that I am paying PMI. Any ideas?

https://drive.google.com/open?id=0Bzbu8w1ZUbeKZWMyWDMtVldqRUk

Also, I looked up in my county I don't pay mortgage tax up to 170k dollar home, because of my disability. How do I take advantage of that on this form as well?
... more
0 votes 7 answers Share Flag
Tue Aug 1, 2017
answered:
Any private money lender/hard money lender should be able to work with a 65% loan to value. Private money rates are currently around 8-10% depending on the lender and situation. Much higher than conventional but the loans are easier to obtain and can fund much faster. https://www.northcoastfinancialinc.com/private-money-lenders-private-money-loans/ ... more
0 votes 9 answers Share Flag
Mon Jul 17, 2017
Bllanosjr answered:
Usaa is amazing. It's the agents that we're forced to use that needs better training. They now very little, and I ended up doing most of the work.
0 votes 59 answers Share Flag
Wed Jun 14, 2017
Justin Miller answered:
Jv2,

Personally, you have NO BUSINESS buy a home for $400k if your down payment can only be $10k. These 3% down buyers need to understand, that's in large, why our housing market collapsed! Banks has no business throwing money out to people who can only put 1-3% down on a house.

I understand times have changed and people like staying cash heavy, I get it, but jeeeeez, put at least 10% down or buy a cheaper home than $400k!!!!!!!!!!!!!!!!!!!

-Justin
... more
0 votes 15 answers Share Flag
Tue Jun 13, 2017
answered:
Your contract should have a loan contingency removal date.
These dates are usually within 30 days of closing.
I would also discuss it with your agent at the housing development. They want these to close and will be happy to work with you. ... more
0 votes 2 answers Share Flag
Mon Jun 12, 2017
answered:
Yes, yes and yes in CA you may consider 5% down Jumbo with a minimum 720 fico score from 424k up to 1.5 million and 10% down from a minimum 680 fico score and up to 2.5 million.

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. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
Credit Repair Advice At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 15 answers Share Flag
Thu Jun 8, 2017
Susie Kay answered:
Sun May 28, 2017
Kamjam211 answered:
I would hypothesize that most homeowners wouldn't be down to pay $250/hr upfront when there's so much uncertainty as to how long it will take to sell a property.

Despite all the complaints about 6%, etc. paying nothing upfront and having someone bear all the risk of investing his/her time sounds like a pretty good deal for the seller! ... more
0 votes 83 answers Share Flag
Tue May 9, 2017
answered:
Hello Andrey, yes we offer 20% down hard/private money loans with great credit.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
Credit Repair Advice At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 9 answers Share Flag
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