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San Ramon : Real Estate Advice

  • All858
  • Local Info44
  • Home Buying593
  • Home Selling14
  • Market Conditions45

Activity 953
Sun May 14, 2017
Susie Kay answered:
I would love to be able to charge by the hour. In this case only the real serious buyers and sellers will work with a realtor. People will think twice before changing their mind about buying or selling a home after wasting your time . I understand sometimes you cannot avoid some special circumstance. People will work with one realtor instead of trying to work with 3 or 4 realtors. Also here in Dallas Fort Worth, homes are a lot cheaper than in San Ramon. Many realtors will be making more money if they can charge by the hour. ... more
0 votes 82 answers Share Flag
Tue May 9, 2017
Sheryl Arndt answered:
Hello Andrey, yes we offer 20% down hard/private money loans with great credit.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
Credit Repair Advice At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 9 answers Share Flag
Mon May 8, 2017
Donald D. Hensel answered:
A $750,000 purchase with 30% down is possible BUT the borrower must be able to verify their income (W2s or tax returns) and remain below a certain debt to income ratio if the property is going to owner occupied. This required due to current federal regulations and even hard money lenders must comply. https://www.northcoastfinancialinc.com/hard-money-lenders-california/vallejo-hard-money-lenders-loans/

There are not many hard money lenders in California able to provide owner occupied hard money loans but North Coast Financial is one.
... more
1 vote 16 answers Share Flag
Mon May 8, 2017
Petula.patrick answered:
there is a corner property with a fire hydrant on the outside corner of the property. Ive always been told having a hydrant around the house area is not a good idea... is that a huge concern? ... more
0 votes 10 answers Share Flag
Wed Apr 26, 2017
Susie Kay answered:
No one can tell you whether it is good time to purchase or not as everyone's situation is different. What motivates you into purchasing a home? Do you need a loan or are you paying cash? If you need a loan, have you talked to a lender?

I would suggest that you pick up the phone and call a local realtor to assist you.
... more
0 votes 2 answers Share Flag
Thu Apr 13, 2017
Sammy Porcho answered:
Do I have to pay a PMI on a streamline VA refinance home ? I thought VA home loans were 100% backed by the VA. I purchased a home using VA loan for $180,500 in 2011 at 4.865 % interests with no money down and refinanced in 2012 for a VA streamline at 3.25% interests with Well Fargo and they are charging me a PMI. ... more
0 votes 6 answers Share Flag
Thu Apr 6, 2017
Susie Kay answered:
It's up to you whether you'd like to hire an agent to represent you or not. There's always pros and cons on every transaction.
0 votes 5 answers Share Flag
Fri Mar 31, 2017
csrajuse asked:
Looking for building a 2nd floor, 1500 sq feet appx. I did ask someone from homeadvisor to come by and he said it is a 500k to 1 million. Sounds too expensive when you can buy a new house…
0 votes 0 Answers Share Flag
Fri Mar 31, 2017
Susie Kay answered:
Well, depending upon how much the decrease is, your lender may not approve you for the loan. You may want to discuss with your lender about this then talk to the builder.
0 votes 1 answer Share Flag
Fri Mar 17, 2017
Sheryl Arndt answered:
Hello Feign.brio, you can raise the interest rate slightly and cover costs. You may also consider a lesser down payment program.

You may consider 5% down Jumbo with a minimum 720 fico score from 424k up to 1.5 million and 10% down from a minimum 680 fico score and up to 2.5 million. You will need 20% down to purchase over 2.5 million.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA or CalVet loan specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 1 answer Share Flag
Thu Mar 16, 2017
Donald D. Hensel answered:
Most hard money lenders are going to require at least 25%, especially if the property is going to be owner occupied which it sounds like it may be the case in this type of situation.


http://www.northcoastfinancialinc.com/hard-money-lenders-california/contra-costa-county-hard-money-lenders-loans/

There are very few hard money lenders willing and able to do owner occupied hard money loans and the larger the down payment the higher the likelihood for approval.
... more
1 vote 5 answers Share Flag
Tue Feb 28, 2017
Chrisnoland answered:
The county data records determine what it is, as far as advertising is concerned, I think it depends on if it's clearly deceptive.
0 votes 15 answers Share Flag
Mon Feb 27, 2017
Yairefonseca1977 answered:
I have sec 8 in queens and all the real estate and landlord treat me like dirty I feel embrass to say I have a vocher I'm about to be homeless and no one seems to care
0 votes 32 answers Share Flag
Sun Feb 26, 2017
Sheryl Arndt answered:
Hello Reggiesconstruction, It only takes a few dozen questions to qualify and go over your options depending on LTV. Do you want cash out too?

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 2 answers Share Flag
Sat Feb 25, 2017
Pellinistone answered:
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Pellini Stone is quarry direct travertine tile and travertine importer from company serving entire United States with same day shippings.
... more
0 votes 90 answers 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
619.916.9595
valli@vallilopez.com
... more
0 votes 12 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
... more
1 vote 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
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