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San Jose : Real Estate Advice

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  • Local Info143
  • Home Buying882
  • Home Selling129
  • Market Conditions32

Activity 1,728
Thu Oct 31, 2013
charles butterfield answered:
Thank you for your question Katie:

You have some very strong points such as your high 780 credit score and your 10 year employment history.

I recommend that you talk with Doug Jones, the owner of Mortgage Magic.

Mr. Jones is one of the best lenders available.

Mr. Jones has been a lender for over 40 years and has a great deal of experience with this issue.

You may reach Mr. Jones at his cell phone: (408) 209-6773.

I also recommend that you go to Mr. Jones website at www.mortgagemagic.com

Thank you,
Charles Butterfield MBA
Real Estate Broker/REALTOR
American Realty
Cell Phone: (408)509-6218
Fax: (408)269-3597
Email Address: charlesbutterfieldbkr@yahoo.com
DRE#00901872
.
... more
0 votes 10 answers Share Flag
Sat Feb 23, 2013
Ruth and Perry Mistry asked:
http://www.trulia.com/blog/perry_mistry/2013/02/renters_spend_thirty_percent_or_more_on_rent
0 votes 0 Answers Share Flag
Fri Jan 17, 2014
Terri Vellios answered:
That home closed escrow recently. Below is agent who represent the buyer:


Ralph Rodriguez
DRE: 01169616
Status:
Association: Santa Clara County Association of Realtors
Phone: 408-807-3073
Fax: 408-754-1501
Cell:
Email: ralph@ralphrodriguez.com
Web Site: www.apr.com/ralphandrachel
Broker Code: APR.18
Office Name: Alain Pinel Realtors
Office Phone: 408-528-7718
... more
0 votes 7 answers Share Flag
Sun Feb 24, 2013
Terri Vellios answered:
You are correct. It is criminal. It is spammers and scammers doing it. Until the web "police" find a way to weed them out you are going to continue to see these types of offer attempting to take advantage of the uninformed and innocent. ... more
0 votes 11 answers Share Flag
Sun Feb 24, 2013
Terri Vellios answered:
Their package consist of several items and often times they price them differently.

There is the HOA CC&R's, By Laws, Rules and Regulations, Minutes, Newsletters, Budgets and Projections, Insurance. Then there is the Certification for the Lender, and the Transfer Fee.

$800 may include the Transfer Fee and Certification. If not, then it does seem on the high side. They should give you a breakdown.
... more
0 votes 9 answers Share Flag
Sat Feb 23, 2013
charles butterfield answered:
Thank you for your question Ferdiewen:

I like the area. I have several clients who own homes in this area and they like it.

However I have found that the best way for you to tell if you will like the area is to knock on some doors and talk to some of the homeowners and ask them what the like and do not like about the neighborhood.

That will give you a better idea than almost anything else that you can do to tell if you will like the neighborhood.

Thank you,
Charles Butterfield MBA
Real Estate Broker/REALTOR
American Realty
Cell Phone: (408)509-6218
Fax: (408)269-3597
Email Address: charlesbutterfieldbkr@yahoo.com
DRE#00901872
.
... more
0 votes 6 answers Share Flag
Fri May 24, 2013
charles butterfield answered:
Thank you, Ranganath for your question:

I understand your question to be if there are problems living under electric power lines.

There have been claims that the electric field surrounding power lines can be harmful, however it appears that the electric fields surrounding power lines are not harmful.

However power lines do have a negative effect on the fair market value of a property, because many people do not want to buy homes near power lines.

Thank you,
Charles Butterfield MBA
Real Estate Broker/REALTOR
American Realty
Cell Phone: (408)509-6218
Fax: (408)269-3597
Email Address: charlesbutterfieldbkr@yajoo.com
DRE#00901872
.
... more
0 votes 7 answers Share Flag
Thu Feb 21, 2013
John Juarez answered:
Great question, Laura.

The answer is “it depends”.

A condominium is a dwelling type where you own your respective unit (usually from the drywall/plaster inward), and you also own a share of ownership in the common elements of the entire development.

Examples of common elements you might find: Pools, picnic areas, tennis courts, lobby, common walls and utility elements, concierge service, security office, parking garage, tennis courts, etc.

A townhouse – which is an architectural style – can be attached or adjoining other homes and is sometimes also a Fee Simple home. In a Fee Simple townhouse you own the entire structure, the land, the sky above it etc, but you will have joint ownership and maintenance obligations of a common party wall and possibly other elements like a common roof depending on the structure. You will usually have a pro-rata shore of ownership in the common area and elements of the community.

To add to the confusion, a townhouse can also be a condominium.
... more
0 votes 2 answers Share Flag
Sat Feb 23, 2013
Terri Vellios answered:
What is your price range? What do you consider a "good district"? What are your needs?

Would you like to schedule a free, no obligation consultation to learn about buying a home in Santa Clara County? If so message me.

In the meantime, you can go to my website to get an idea of pricing for various areas.

Have an amazing day.
... more
0 votes 6 answers Share Flag
Sun Mar 17, 2013
Terri Vellios answered:
I could not find a house on the tax records in Santa Clara county with that address.

go to www.RentOMeter.com and it will help you weed through the false pricing.

Have an amazing day! ... more
0 votes 6 answers Share Flag
Wed Feb 20, 2013
Shane Milne answered:
Hi Sage Bear, as long as it's in the same industry then all lenders should be OK with this. A 3-week gap in employment isn't that big of a deal. We routinely help people with 1-2 month gaps in employment and the most I've ever been asked is for my clients to provide a letter of explanation. When you get to 3 months or more then often we see lenders start asking for our client to be on the new job for 6 months. For your situation, some lenders may want to know you aren't on a probationary period with your new employer, but that should be the extent of it.

Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans | 949-273-4161 direct
... more
0 votes 2 answers Share Flag
Wed Feb 20, 2013
Elva Wormley answered:
Hi Sage Bear,

Most banks and credit unions do not allow non-occupant co-borrowers on HELOC's. Credit unions tend to have more liberal underwriting guidelines for HELOC's, so I suggest you call Patelco or KeyPoint Credit Union.

Best wishes,

Elva A. Wormley
Mortgage Consultant
Office (408) 615-8500
C2 Financial Corporation
2845 Moorpark Avenue, Suite 209
San Jose, CA 95128
NMLS #331981
... more
0 votes 4 answers Share Flag
Wed Feb 20, 2013
charles butterfield answered:
The rental market in San Jose is extremely active. There are far more people who want to rent homes than there are homes to rent.

Landlords can be very selective.

You will probably have to go far outside of San Jose to the Central Valley if you want to rent anything decent, at a reasonable rent, if you have credit that is less than perfect.

Thank you,
Charles Butterfield MBA
Real Estate Broker/REALTOR
American Realty
Cell Phone: (408)509-6218
Fax: (408)269-3597
Email Address: charlesbutterfieldbkr@yahoo.com
DRE#00901872
.
... more
0 votes 2 answers Share Flag
Tue Jun 18, 2013
Shanna Rogers answered:
Hi ferdiween,

Don't give up! Now is a good time to buy because prices are starting to go up. If you wait, you may end up paying more. Just keep trying.

Shanna Rogers
SR Realty
www.RealtyBySR.com
... more
0 votes 8 answers Share Flag
Tue Feb 19, 2013
Irene Jacobson answered:
Hello Ferdiewen,
This property is still 'active'. Any offers the agent or seller may have received are private. If you are interested in the property I would be happy to help you.
Best regards,
Irene
... more
0 votes 4 answers Share Flag
Tue Dec 1, 2015
Charles Lee answered:
We can do with Private funds but our rate and terms are a bit higher.
http://www.theboydcapitalgroups.info/
0 votes 16 answers Share Flag
Wed Feb 13, 2013
Bill Phillips answered:
Hi Albert,

It is unlikely that a refinance to a lower payment, with no cash out, would cause any problems with your new purchase. It should acually help you to qualify. In today's higher level of scrutiny and qualifications, when you are approved for the short sale purchase, proper documentation of the refinance will be necessary for financing that purchase. However, based on what you ahve shared, you should be fine.

Let me know if I can help you by answering any further questions or a quote for either loan.

Bill Phillips
Home Loan Consultant
First Priority Financial - Silicon Valley
(408) 957-7600
www.TrustedLoanAdvisor.com
... more
0 votes 5 answers Share Flag
Tue Sep 17, 2013
Guy Berry answered:
Wed Mar 13, 2013
Jose Romero answered:
Thelma,

As far as i understand, If buyer is an FHA buyer, seller can NOT keep the deposit, no matter what. Good luck!
0 votes 13 answers Share Flag
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