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Social Benefits of Home ownership

Benefits of Home Ownership

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How Important is it To Buy a Home In a "Walkable" Neighborhood?

Walkscores are  Real

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Why Does It Pay To Use A Realtor?


Benefits of an Assumable FHA Loan

From one of our preferred lenders Prospect Mortgage An often overlooked benefit of Federal Housing Administration (FHA) loans is that they’re assumable, meaning the buyer can take over the seller’s home loan, and, more importantly, the loan terms.* This is particularly important given the current historically low interest rate environment and that rates may rise over the years to come. An assumable loan provides the buyer with a seller’s advantage because lower interest rates dramatically affect affordability when it comes to purchasing a home. To determine how valuable an assumable FHA loan could be, we can look at the following scenario: On a $200,000 mortgage, if interest rates increase from 4.5% to 5.5%, the cost of the mortgage payment increases $123 a month. If interest rates increase from 4.5% to 6.5%, the cost of the mortgage increases $251 a month. In another scenario, assume the buyer purchases a home today with a $300,000 FHA loan at 4.5%. The principle and inte ...

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To Renovate or Not To Renovate Your Bathroom

Renovate Your Bathroom

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No Project Left Undone

What Do I Need To Do While I am in Escrow as a Buyer?

What Am I  Supposed to be Doing?

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The Water Crisis.. Where Are We Wasting?


2 Bed/2 Bath Mission Valley Condo - OPEN House Sunday 1-3PM

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Disclosure in Real Estate Transactions - The Paperwork

Is there such a thing as over-communicating?                            In Real Estate, especially  regarding disclosure, the answer seems to be no.    There are far too many disclosures in this industry for us to go over with you here, but we will touch on the basic forms utilized in most transactions: Transaction Disclosure Statement (TDS) :  This is one of the most important disclosures, if not the most important one, used in the industry at this time.  It asks the seller a series of important questions regarding the condition of their home as they know it. It is to be given to the buyer when the offer is accepted, but if not then, within 7 days of acceptance.  It is best for the sellers to note ANY malfunctions of the home on this document and the other similar ones: ( Seller Property Questionnaire and Addendum)    The buyers have a 3 day right of rescission with the TDS, which means i ...

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