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95051 : Real Estate Advice

  • All78
  • Local Info3
  • Home Buying49
  • Home Selling6
  • Market Conditions3

Activity 72
Sun Aug 13, 2017
Hippilessrich answered:
go here to see a list of jobs on your home that does not require a permit

http://www.sanjoseca.gov/DocumentCenter/View/1883
0 votes 4 answers Share Flag
Wed Mar 15, 2017
Jesu49 answered:
B/c they don't have to. They have never lived in the home and don't have to disclose. Some will disclose what they know with an estimated cost for repair. Get an inspection and expect repairs as they bank does no repairs, but sells as is, usually at a greatly reduced price. ... more
0 votes 24 answers Share Flag
Sat Aug 27, 2016
answered:
Yes, it can be done, but the lenders who offer it many times want American Credit, so that is not reasonable to expect. The rates are not pretty on those many times.

It is much easier to go to 50%.
Feel free to call go over your situation,

I have about 10 options for foreign nationals, I would love to compete for your business as there is a good chance that I could offer you the best option.

My phone number is 714-968-2500 License nmls 287206
... more
0 votes 2 answers Share Flag
Thu Jul 28, 2016
Josiezula answered:
I've been reluctant to purchase the blank ATM card online because i know for a fact there fake hackers" out there, but i was convinced that it really works when my friend at my place of work got the card & we confirmed it really works, without delay i gave it a go. Every time I've withdrawn cash from my blank ATM card & the money has been in my own account in less than 24 hrs. So glad i gave it a try at last and has changed my life real good thus its illegal!! If you don't believe me then Email: cyberoraclehackers.hackwizard@gmail.com ... more
0 votes 2 answers Share Flag
Mon Jun 27, 2016
Rosaeee asked:
This is for 1064 sqft 3 bed 1 bath single family home. There is no master room. The current bathroom is 5 x 9 approximately, only next to a 9 x 9 bedroom (closet not included) and living…
0 votes 0 Answers Share Flag
Thu Jun 16, 2016
VA Mortgage Hub answered:
VA loans are not anymore difficult when compared to other government loans like FHA or USDA.

VA Mortgage Hub
National VA Loans
www.VaMortgageHub.com
0 votes 9 answers Share Flag
Fri May 13, 2016
Ifshtein asked:
sites. The usual two types of answers : prices are not updated, or this is a typo. Should I believe it?
0 votes 0 Answers Share Flag
Sat Mar 5, 2016
Sam Shueh answered:
The wind has nothing to do with it. Investigate if not difficult .... I have seen awful roof workers putting nails in the bad place. Suggest you look from attic (below) see what is looks like... ... more
0 votes 4 answers Share Flag
Sun Dec 20, 2015
Ruth and Perry Mistry answered:
Hi Cliff

I believe you are referring to the $500k exclusion, if married and lived in the house
For more than two years, or the $250k exclusion if single.

capital gains in excess of the above limits, based on whether married or single will
Be taxed at Long Term Capital gains rates, based on your income level.

http://www.fool.com/how-to-invest/personal-finance/taxes/2015/08/16/long-term-capital-gains-tax-rates-in-2015.aspx

However, do check and verify with your CPA.

If you rent the property out for more than two years the property will be treated as an income property
And you will be taxed on any and all Capital gains.

Due to a strong economy and the fact that both Apple and Google have huge expansion plans in Sunnyvale, I believe that the Santa Clara home and rents will continue to go up, due to
Higher demand for housing.

Do call if you have further questions.

Good luck.
Perry
408-898-1948
... more
0 votes 4 answers Share Flag
Thu Dec 3, 2015
Sam Shueh answered:
Assessed value is for tax not for valuation purpose.
You can ask for a review if it is assessed too high. Why bother if it is lower?
Sam Shueh Realtor
0 votes 6 answers Share Flag
Tue Oct 13, 2015
Wetcats2 answered:
0 votes 5 answers Share Flag
Mon Jul 6, 2015
Alexander Greer answered:
Yes but you do not hear about them anymore because they are a nightmare. In terms of home buyer, is in not affordable because of the downpayment amount or because of the mortgage payments?

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
... more
0 votes 1 answer Share Flag
Fri Mar 20, 2015
answered:
Hello chashu, your spouse may qualify FHA with NO FICO score or traditional credit with alternative credit such as utilities, cell phone, car insurance, rent, etc. Ultimately your qualifications will be determined by your credit profile, debt to income ratios, fico scores or not and how much you want to invest into the down payment and closing costs.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as .5% half percent down payment program. You may consider 3% down conventional from a minimum 620 fico score.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve and you can be emailed listings to fit your search criteria. If you have credit issues, your credit scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and compare. Here are some links to study as well as web reference links to many loan program pages offered...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ Years Experience
BRE# 01140252
NMLS# 297251
760-486-4225
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
http://youtu.be/MrygA2_8fAY
http://www.trulia.com/profile/SherylArndt

If my response was helpful, consider clicking Thank or Link.
... more
0 votes 4 answers Share Flag
Fri Jan 23, 2015
Myersjulie31 answered:
I think that I think that it would be best to get the furnace and the AC checked by the inspector, just to be sure. If he doesn't do so originally, I think it would be a good idea to ask him to go back and inspect it. Then you could get a much better assurance that everything is going well with your air conditioner and heater. These can be very temperamental and difficult to work with, so you will definitely want to make sure that it works properly and get that assured through your inspection! http://www.butlerheatingandair.com/products-new.html ... more
0 votes 6 answers Share Flag
Thu Jan 8, 2015
RonS answered:
in reading your reply to Tina, you aren't asking the question you really want the answer to. It has nothing to do with recourse. You have a home that is underwater. Of course you can refinance. You don't qualify for a refinance because you are under water so, you asked for a loan modification and the lender told you no, and they refused to refinance also.

So, can you refinance it? Yes. Do you have the credit, income and most important here...the equity to refinance? It sounds like no. you don't so, to your question, no, you can't refinance.

I wouldn't place too much weight on the issue of recourse or not at this point. you have bigger issues with value to worry about.
... more
0 votes 3 answers Share Flag
Thu Jan 8, 2015
RonS answered:
did you refinance it as an owner occupied property? You said you "Subsequently" bought and moved into another home, THEN turned subject property into a rental and refinanced. If you said it was occupied by you, you subject yourself to prison for fraud. There isn't a lender out there that would do a refinance for a borrower under water unless it was an agency (Fannie/Freddie) loan. If you said you were occupying a fannie/freddie loan for a refi, i'd be very very very careful about walking away and exposing the fraud. I'm just assuming here but from what you wrote, it doesn't appear to be possible to do what you did without claiming it as your primary.

The notes/deeds don't dictate whether its recourse or not. Well, they may but the state guidelines will dictatate recourse/non-recourse and if you are in California, it's a non recourse state. That seems to be the least of your issues though. If the lender claims fraud, even non recourse loans in California could be subject to recourse.
... more
0 votes 8 answers Share Flag
Thu Dec 18, 2014
Randall Ortiz answered:
I've worked on deals where BofA closed within 30 days, so yes they can.
0 votes 30 answers Share Flag
Sat Sep 13, 2014
Arpad Racz answered:
Hi Pq,

Did the termite inspector mention Why they recommend removal? Was it a conduit for moisture or bugs?

All the best,

Arpad
0 votes 9 answers Share Flag
Sun Jul 6, 2014
Robert Lei answered:
Yes, true. There is a huge residential complex in Santa Clara near Central Park in the location tracking device.

Property prices in Santa Clara have risen since your first post,
0 votes 2 answers Share Flag
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