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Home Buying in Union City : Real Estate Advice

  • All121
  • Local Info16
  • Home Buying54
  • Home Selling4
  • Market Conditions4

Activity 80
Sun Feb 26, 2017
Christie.marchese answered:
My husband bought a home through v a 5 years ago and we been married only two. Well we are getting a divorce. My husband want to move out of are, and let me keep the house. I'm not working and sick with lyme disease. He said he will make payments until I get disability. Can we do this ... more
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Thu Nov 3, 2016
Home_buyer asked:
I am looking at houses in Union city which is in a 1 mile radius of Union Sanitary District . Does this plant affect the nearby communities with foul odor. Is this a issue that I should…
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Tue Jul 12, 2016
Dorene Slavitz answered:
Usually un permitted additions are deducted from the total value of the property because they may have to be removed by the new owners.
0 votes 1 answer Share Flag
Wed Jun 15, 2016
Mahesha_in asked:
How is the Bay Colony community in west union city? I see the homes listed there usually have a lower per sqft price than ones in Ponderosa or other neighbouring communities. Any reason…
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Sun Jan 3, 2016
Evil-mistek answered:
We bought a house in May of 2009, We were told the takes we paid went to 2008 taxes. We did not own the home and are now being foreclosed on because they used what we thought was to a certain yr and went to the yr before. Is this right or even legal? We have to go to court for transfer of deed and I am afraid we will lose everything and be on the street with 2 small kids and a pregnant girl. ... more
0 votes 19 answers Share Flag
Mon Dec 7, 2015
Megha asked:
Hi,
We are looking for houses in/around Ponderesa neighborhood inUnion City. Today we smelled some strange stench there. It was similar to "Milpitas Smell". I learned that there is Union…
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Thu Nov 12, 2015
Asif asked:
Homes in this neighborhood seems newish and have good elementary school. Once might think, slowly in next 5 years or so, the middle school would improve as well. So, it seems like a good…
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Tue Jun 16, 2015
Roby Thomas answered:
Its a matter of preference simply based on Budget, commute time , and School preferences.
Livermore temperatures are certainly higher in the summer time. If that doesn't concern you its a wise choice as you get more selection to choose from. I have a listing right now listed at $749888 and its a great location right in front of a beautiful park, and great community.
I have clients who have moved and commute to Mountain view, Look , the bottom line is if you like the area , home and price people move into the home. Commute anywhere in and around the Bay area is a an hour give or take a few.
Property prices are also increasing in Livermore at a healthy pace as the other cities become more expensive. As an icing on the cake its also referred to as the other Napa valley because of the great Wine community and vineyards. Livermore also boasts of a vibrant Downtown.
Contact me for more indepth information
www.lovebayarea.com
... more
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Sun May 31, 2015
Sheryl Arndt answered:
Hello anhthuy101, you will need to be pre-approval by getting all the required documentation and figures to run credit, DU Approval and issue a pre-approval letter to get you out shopping for a home of your choice.

If you gather one month paystubs/income documentation, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license and social security cards for each applicant and a copy of a credit report to study and advise your qualifications.

You will need to be pre-approved if you decide to buy to be able to meet an agent to view and submit offers on any homes of your choice. 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.

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 up to 417k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 417k.

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

The purchase in Union City start from 289k for 1bd 1ba condo, 328k for 2bd 1ba condo and the single family homes start from 365k for 2bd 1ba home which is as low as $1,825 down payment with a minimum 580 fico score @328k.

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, Link or Best Answer.
... more
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Sun May 31, 2015
Sheryl Arndt answered:
Hello Penquin98177, no each are different. A pre-qualification is going over the questions needed to determine qualifications. The pre-approval is getting all the required documentation and figures to run credit, DU Approval and issue a pre-approval letter to get you out shopping for a home of your choice.

If you gather one month paystubs/income documentation, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license and social security cards for each applicant and a copy of a credit report to study and advise your qualifications.

You will need to be pre-approved if you decide to buy to be able to meet an agent to view and submit offers on any homes of your choice. 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.

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 up to 417k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 417k.

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

The purchase in Union City start from 289k for 1bd 1ba condo, 328k for 2bd 1ba condo and the single family homes start from 365k for 2bd 1ba home which is as low as $1,825 down payment with a minimum 580 fico score @328k.

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, Link or Best Answer.
... more
0 votes 5 answers Share Flag
Sun May 17, 2015
Chris Bolts answered:
I know this is 2 years later, but here's the thing that nobody mentioned above. What type of employment do you have? The lenders differentiate between employed in a salary position versus contract worker, vs hourly. Then there's 1099 contract workers and w2 contract workers. Here, in Silicon Valley, CA, there's a lot of contract workers, so these questions come up. If you have been in a contract worker position solid for 2+ years, no problem or the same with a regular employer. But the question comes up if you just recently switched from being a full-time employed salary position to an hourly position now. Because now you need to build that two year history in that type of employment arrangement. They have no way of knowing if you're going to still be employed in the next year. With that being said, this is more of a big deal if you're applying for no money down (FHA or VA), but less of a deal if you're doing a conventional loan (20% down). ... more
0 votes 9 answers Share Flag
Wed Feb 4, 2015
Huey Nguyen answered:
Hi Renee,

I agree with my colleagues here - Definitely focus on the location when purchasing a home! This is always the most important thing to consider when buying a home! You can always change everything about a home except where it is located!

I hope you have already had success in finding a great home to purchase by this time, but if not, please feel free to reach out to me. I have over 12 years experience in real estate and an upcoming listing in Union City!

Best of luck,


Huey Nguyen
... more
0 votes 6 answers Share Flag
Thu Jan 22, 2015
Ali Qureshi answered:
While in a contract seller legally cannot black out unless otherwise stated in the contract such as the verbage " contingent upon seller finding another house"
0 votes 9 answers Share Flag
Thu Jan 22, 2015
Ali Qureshi answered:
Hi Bill,

Shortfall wait time now is 4-years on conventional financing. However, there are programs depending on your " individual " case that may allow you to get financing even 1 day after a short sale. I do have an excellent lender, feel free to contact me if you have any questions. ... more
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Thu Jan 22, 2015
Ali Qureshi answered:
Mon Dec 1, 2014
Austin Oney answered:
Great question Anand. Overall, you'll get a lower cost per sq ft in Union City. However, one thing to consider is that Delaine Easton Elementary in Union City is very compare to Warwick Elementary in school performance (896 vs 907 API). Delaine is newer, build post 2000 and has very active PTA.

I have had a number of clients with young children in the same position purchase a home assigned to a great elementary school (and not so great middle and and high school). Then when their child gets to middle school age they take the equity and move up in house. One of my clients recently executed this exact plan and moved to Brookvale in Fremont.

Union City homes in the neighborhood around Cambridge Way would an area you may want to consider. The homes were build around 1997, some have a full bed and bath downstairs, and they are assigned to Delaine Easton Ele.

Unlike in most of Fremont, it's possible to do an inter district transfer in Union City if you want to buy off of Lowry and send your child to Delaine.

Another thing to consider is when you purchase a home in Ardenwood you child is not guaranteed to get into Forest Park, Ardenwood, or Warwick Elementary due to the overcrowding.
... more
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Thu Jul 17, 2014
philip yee answered:
What kind of rebate are you looking?
0 votes 6 answers Share Flag
Mon Jun 9, 2014
Randall Ortiz answered:
663 isn't as bad as you think. You can definitely get a loan with that score. The lenders may charge you a little more for that score, but you should be able to get a loan. It would also depend on your income and debt to income ratios. Contact me if you need further assistance. ... more
0 votes 4 answers Share Flag
Mon Jun 9, 2014
Jessica Aggson answered:
Hi Anthony,

There are couple different ways to buy a foreclosure. You can purchase the home at auction when the bank first takes the home back they auction the homes off in my area right off the courthouse steps. If the homes don't sell at auction then they list them with local Realtor's. So, the other way is to get connected with a local Realtor (if you don't know of one I can refer one to you). A Realtor can send you all foreclosed home listings for you to view.

The nice thing about foreclosures is the escrow process is a lot quicker then a short sale.

I hope this helps. Happy house hunting!

Thanks,
Jessica Aggson
(Recently featured on HGTV's show House Hunters)
Re/Max Parkside Real Estate
805-610-3536
JessicaAggson@gmail.com
... more
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