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San Ramon : Real Estate Advice

  • All856
  • Local Info44
  • Home Buying591
  • Home Selling14
  • Market Conditions45

Activity 948
Yesterday at 10:34am
Pellinistone answered:
If you are looking to add great value to your home then choose Pellini Stone travertine tiles for interior applications and Pellini Stone Pavers for all exterior projects such as pool decks, walkways, patios, driveways to add that elegance and timeless beauty.Visit us now and enjoy premium quality with factory direct pricing.

Pellini Stone is quarry direct travertine tile and travertine importer from company serving entire United States with same day shippings.
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0 votes 90 answers Share Flag
Tue Feb 21, 2017
Valli Lopez answered:
refinancing is your only option. HOWEVER! I happen to be the top originating loan officer at my company. Not only will I be able to get you out of your FHA loan but at a competetive market rate and I usually can pay all closing costs so nothing out of pocket for you. I work 7 days a week and nights, you can reach me anytime.

Valli Lopez
NMLS 980530
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0 votes 1 answer Share Flag
Fri Feb 10, 2017
Deb answered:
Yes, but why would you? you probably qualify for a conventional loan with a bigger down payment, if not due to credit, you can always put down more money, FHA will just not loan more.
0 votes 14 answers Share Flag
Tue Jan 31, 2017
Valli Lopez answered:
Anil, This is my specialty. Click the link for a flyer chart on what is available for foreign buyers or non permanent residents with less than 20% down.

Valli Lopez
NMLS 980530
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0 votes 12 answers Share Flag
Wed Jan 25, 2017
Rfpsg answered:
We love your question and would love to see the industry respect our time enough to charge by the hour. I think the best answer is, most people are not willing to pay us by the hour, since we spend countless hours on each transaction. It really doesn't make sense, since our industry is highly regulated, need to keep training and learning and we are sharing in decision making that effect hundreds of thousands if not millions of dollars for our clients, I calculated that we make an average of $30 a day when you factor in all the hours we spend in front and behind the scene of each transaction. Our 3% commission is reduced greatly when you factor in all our out of pocket expense, (we are independent contractors and pay for all our own expenses), and time needed to do an excellent job for our clients. As a buyer you don't even pay our commission until your sell, so buyers get our expertise and time for free! Our industry has a misconception that we make a huge amount of money per transaction, but in actuality it is more like 1% of the sales price regardless of how much time we have spent. That is due to our dues, split with the broker and the other side of the transaction. You really have to love what you do to be a realtor! ... more
1 vote 80 answers Share Flag
Sat Jan 14, 2017
Cschwartz answered:
This isn't about hurt feelings. Do you realize that it costs a lender about $3,500 in expenses (not including the loan officer's commission) to close a loan? When the borrower signs initial disclosure documents, one of the documents they sign is an intent to proceed. As soon as you sign that document the lender relies on your word that you really do intend to proceed. They begin writing checks to: The processor, title company, fraud investigator, compliance team, doc providers and a dozen other people. When you order a lock, the lender is going to put aside the cash to fund your loan. In JB's case I think the lender is going to set aside over $600,000 and pay interest on that money while he waits for JB's transaction to close. This isn't funny or trivial. How'd you like to be paying interest on $600k when the borrower is playing games like this?

Running two transactions at the same time and not disclosing that fact right up front to both lenders is straight up unethical
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0 votes 51 answers Share Flag
Tue Nov 22, 2016
Lewis Mahle answered:
Go for repairing your pool and make sure you install a glass fence around your pool which will provide safety to your kids and it will also add value to your home.
0 votes 13 answers Share Flag
Wed Nov 2, 2016
Fzate answered:
I'm selling a property in the Bay area. I felt that the buyers are very aggressive and are harassing us to pay for the contingencies. The buyers' agent even called our electrician (who we asked to give a quote) pretending that she is the owner and demanded that the electrical panel be changed. Can we (sellers) cancel the purchase contract now that we complained and now that they removed all contingencies? ... more
0 votes 17 answers Share Flag
Tue Sep 20, 2016
Susie Kay answered:
I would suggest that you ask another insurance company about their coverage. If they are all the same across the board, that they won't pay for architect etc, then you know that's what you get. As far as the cost for the service of an architect and other experts then I would suggest that you pick up the phone and ask how much their fees are. ... more
0 votes 1 answer Share Flag
Mon Sep 19, 2016
Shane Milne answered:
We offer 3% down LPMI conventional financing for primary residences in all 50 states. We can compare LPMI vs. BPMI to determine what is the better option for you. I'd be happy to help.

Shane Milne | Lending in all 50 states | NMLS #81195 | 949-322-3616 direct
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0 votes 1 answer Share Flag
Tue Sep 6, 2016
Alexander Greer answered:
It is always a personal choice and differs for each individual based on their own life. Some people buy now and some people wait for the summer months. If you are posting about it, it sounds like you are ready to purchase.

Alex Greer
Loan Officer
NMLS #1056079
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0 votes 3 answers Share Flag
Mon Sep 5, 2016
Susie Kay answered:
I would suggest that you pick up the phone and call a local realtor to assist you. I still have relatives living in Tri Valley. From what they describe one can make a conclusion that it's a hot housing market there. ... more
0 votes 1 answer Share Flag
Mon Sep 5, 2016
Susie Kay answered:
I saw your comment to my response below. If you ever want to return back to DFW, Texas then feel free to reach out to me. Dallas is growing like crazy and there are many employers relocating here. In other words, they create plenty of jobs here. Housing has gone up but is still much more affordable than San Ramon and other cost of living is much less than San Ramon. You can actually live and enjoy your life here without having to put almost your entire paycheck for a home and your spouse's paycheck for cost of living. Many cities here especially in Collin County are quite similar to Tri Valley, no BART of course. I'd be happy to show you around if you decide to relocate back here. Feel free to reach out to me via phone or email or through my profile.

Susie Kay
United Real Estate Dallas
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0 votes 4 answers Share Flag
Sat Sep 3, 2016
Karthik.bandi asked:
I received NHD reports for the home I have contingency on. It shows that it is in the Alquist-Priolo zone. We like the home a lot and it's a great neighborhood with great homes, but have…
1 vote 0 Answers Share Flag
Fri Aug 26, 2016
Nazy.moradkhani asked:
Hi. I listed my property for Rent on Zillow and it propagated it to Trulia. Now I want to make changes directly on Trulia, mainly to the images. How do I do that. changes on zillow are…
0 votes 0 Answers Share Flag
Sat Aug 6, 2016
Masterloaderz11 answered:
I have section 8 here in Las VEGAS Nv and I got robbed several times buy lasdlords that really dont have any attention in rrnting to you or helping you all they wanted was the MONEY AND RUN OFF....IM HOMELESS AND STILL HAVE MY SECTION 8 well my daughter got shot in my building were we stay.and I went and broke the least to my place and the manager locked us out and section works didnt help me ... more
0 votes 31 answers Share Flag
Sat Jun 18, 2016
Jdavid answered:
I certainly wouldn't buy a house with a fire hydrant in the front or back yard. Can't imagine one being in the backyard though unless there is an alley. While I agree that its nice to know that there is access to water in case of a fire, having one in front of a house limits the parking space because you can't park within 15 feet of a fire hydrant. Not to mention that it's an eyesoar ! If it doesn't devalue the home I would be surprised ! ... more
0 votes 9 answers Share Flag
Mon May 9, 2016
belardocarlos answered:
If the agent is asking for the broker fee and 1/2 the deposit on signing date when I will meet the landlord, is this appropriate? I have obtained a listing from Trulia which after some communication and I was shown the hours, the landlord wants to accept my offer. ... more
0 votes 11 answers Share Flag
Sun May 1, 2016
Don Hester answered:
Bedrooms or sleeping areas by building code do not require a closet unless the local municipalities require it by amendment or their local codes.

Bedrooms need to meet requirements of habitable spaces as well as emergency egress.

Here is a post on this that most likely will help you with most of the questions on this exact subject.
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0 votes 14 answers Share Flag
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