In general a Foreclosure is at least 2 years after discharge date. Short sale is 3 years but I have heard as short as 1 year. You may have to use a mortgage broker and not a direct lender. Check out my FREE REPORT "6 Things You Must Know Before You Buy a Home" on my website www.riversrealty.com . Thank you. Jason Rivers... more
Your references and proof of income should go a long way. Also, everybody has a credit score of some kind. At least yours will not show a history of late payments! Seriously, you should be fine.... more
Mello Roos bonds vary from community to community in terms of cost and length. Check with the Stanislaus County Tax Assessor for more information on Community Facilities Districts (CFD) and Mello Roos. http://www.stancounty.com/auditor/property-tax-division-faq.shtm They are in addition to the Prop 13 tax and additional assessment taxes. Services and facilities may include: police protection, fire protection, ambulance and paramedic services, recreation program services, libraries, library services, parks, parkway facilities, open space facilities, the operation and maintenance of parks, parkways and open space, museums, recreation facilities, child care facilities, cultural facilities, flood and storm protection, services for the removal of any threatening hazardous substance, elementary and secondary school sites and structures, natural gas pipeline facilities, telephone lines, facilities to transmit and distribute electrical energy, cable television lines, and others.
HOA's will also vary on the type of services and the neighborhoods they manage. This is typically a permanent cost that may increase over time. Contact your HOA or reference your HOA documentation for the details. This should have been provided as a disclosure before you closed escrow.
Also, I would bring your water concerns to the attention of the city and county.
I hope this helps you.
Rocky G.H. Hawrysz
Prudential California Realty
(209) 444-6610 Direct
(209) 433-2000 Fax
License No. 01468373... more
Smell is like an opinion. In my estimation, it will be bad for some, terrible for others and perhaps, it will be pleasant to the majority. Only your nose will know. Drive out and let us know what you think.
"Rocky" G.H. Hawrysz
Broker Associate, REALTORÂ®, e-ProÂ®
Prudential California Realty
Direct: 209-599-7028... more
Once it is paid off it should be done automatically within 30 days however just in case, contact the escrow department and ask them for the instructions. Then once it is paid off you will be able to notify them as they request and get the money sent back to you. Congratulations on paying off your home Doris.... more
I would look through the city's website for their specific code regarding fencing. My gut reaction is no, but that is only because my experience has been that most cities don't allow for a fence over 6' on a residential lot (assumed).
Failing your desire to go through the city code, you could also calling the planning and zoning department and ask the question. This is probably the best route because they should be able to look up your address and speak specifically about the actual zoning on your property. I hope that helps.
Top priority goes to items that deal with your safety and the preservation of the value of the property. So: Broken doors. Broken windows. Leaking roof. Non-functional HVAC. Mold. Water seeping into the basement. New wiring, as needed.
Then focus on things that will improve the quality of your life. A lot of people wait too long to do these things, but you bought the house to live in. Maybe not all at once, but room by room. The kitchen, if you can afford it. Certainly the master bathroom. Maybe the other bathrooms, if your budget allows.
Then take your choice between upgrades--finishing the basement, for instance--or additional internal enhancements. But by the time you get to this stage, your home ought to be safe and sound, fully liveable, and even enjoyable.
Work out a budget. Determine what items fit into that first category, dealing with your safety and security. That's got to be your top priority, and done as soon as possible. Even there, though, you may have to prioritize, based on your budget. But have a definite, clear plan in place to take you through all three stages.
Modesto is a community filled with pride of ownership. Our neighborhoods range from newer track homes, character homes in the College area, large custom homes in Del Rio, Dutch Hollow and Fleur De Ville neighborhoods and older established custom homes with tree lined streets in Eastridge and Sherwood Forrest. There is something for every taste.... more