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Information on
the Bay Area ..
[San Jose
Bay Area Information ]
This will likely
be your last time to do a walkthrough.. ..
[San Jose Closing
a Home ]
Selling a home
can have a major impact on your federal and state tax
returns. ..
[San Jose Real
Estate Tax Advice ]
A major question
in every escrow - who pays what - varies by county ordinances
and standard practices. What follows here is a county-by-county
guide to this information. Please note that these are
"customary" practices ... ..
[San Jose
Preparing to Buy::Who Pays What? ]
Below are some
of the costs you may incur. Some are one-time fees,
while others recur over the life of the loan. When you
first apply for your loan, ..
[San Jose
Preparing to Buy::Closing Costs ]
Utility Checklist
..
[San Jose
General::Utility Checklist ]
Many families
use a change of residence as an opportunity to dispose
of many outgrown and no-longer-wanted items. It beats
taking the items with ... ..
[San Jose
General::Garage Sales ]
If you own and
occupy your home as your principal place of residence,
you may be eligible for an exemption of up to $7,000
off of the ..
[San Jose
Local::Homeowners Exemption ]
Your rights as
a consumer ... ..
[San Jose
Financing::Consumer Rights ]
What you will
need for yoru loan application ... ..
[San Jose
Financing::Loan Applications ]
Thirty-year fixed
rate loans are what most people think of when they hear
the word "mortgage". Fixed rate loans are also referred
to as "fully-amortized" loans. ..
[San Jose
Financing::Fixed Rate Mortgage ]
An open house
can be an opportunity for you to get information about
homes and the housing market. ..
[San Jose
Buying::Visiting Open Homes ]
What is a Mortgage?
..
[San Jose
Preparing to Buy::Mortgage ]
Typical Mortgage
Providers ... ..
[San Jose
Buying::Mortgage ]
Negotiating ...
..
[San Jose
Preparing to Buy::Negotiating ]
The basics of
making an offer... ..
[San Jose
Preparing to Buy::Making an Offer ]
Understanding
your credit scores ... ..
[San Jose
Preparing to Buy::Credit Scores ]
What can I afford
....... ..
[San Jose
Preparing to Buy::Can I Afford to Buy? ]
First Time Home
Buyers .... ..
[San Jose
Preparing to Buy::First Time ]
Benefits of a
Buyer's Agent ..
[San Jose
Preparing to Buy::Buyer's Agent ]
While there's
no such thing as a typical home sale - each has a character
and a flow of its own - there are certain aspects you
can expect. While local real estate practices may vary,
here are the basic activities that occur during the
transaction, from receiving an offer to closing escrow.
..
[San Jose
Preparing to Sell::The Sales Process ]
The more information
that you gather about how other properties are priced
... ..
[San Jose
Preparing to Sell::Market Value ]
Remodeling Your
Home: How Much Is Too Much? The classic way for homeowners
to increase the value of their house is by remodeling
existing rooms or adding on to its current plan. ..
[San Jose
Preparing to Sell::Remodeling ]
A Look at Home
Improvement ..
[San Jose
Preparing to Sell::Home Improvement ]
Benefits of a
Sellers Agent ..
[San Jose
Preparing to Sell::Sellers Agent ]
Guiding you through
the offer process - helping you understand the merits
of an offer ... ..
[San Jose
Preparing to Sell::Understanding Offers ]
The price you
pay for your homeowners insurance can vary by hundreds
of dollars depending on a number of factors, including
the company you buy your policy from. ..
[San Jose
General::Lower Insurance Costs ]
Common mistakes
people make when dealing with mortgages .... ..
[San Jose
Financing::Mortgage Mistakes ]
FICOŽ scores
were developed by Fair Isaac & Company, Inc. for each
of the credit repositories. ..
[San Jose
Buying::Fico Scores Effect Purchasing ]
Foreign Investment
in Real Property Tax Act (FIRPTA) ..
[San Jose
General::FIRPTA ]
What is a 1031
Exchange? ..
[San Jose
Investing::1031 Exchange ]
Located in Kelley
Park on the corner of Story and Senter Roads, Happy
Hollow Park and ZooT has been providing affordable family
entertainment, education, and fun since 1961. ..
[San Jose
Happy Hallow Park and Zoo ]
San Jose Museum
of Art ..
[San Jose
San Jose Museum of Art ]
Last remaining
structure from El Pueblo de San Jose de Guadalupe, California's
first settlement. ..
[San Jose
San Jose Peralta Adobe and Fallon House ]
San Jose's
first and largest park ..
[San Jose
Alum Rock Park ]
San Jose's
hidden treasure open. Memberships available to non-residents.
..
[San Jose
Silver Creek Valley Country Club ]
Welcome to Los
Gatos! ..
[San Jose Los
Gatos Real Estate ]
Welcome to Saratoga!
..
[San Jose Saratoga
Real Estate ]
Welcome to Silver
Creek Valley! ..
[San Jose Silver
Creek Valley Real Estate ]
Welcome to Almaden
Valley! ..
[San Jose Almaden
Valley Real Estate ]
Real property
is generally defined as land and the things permanently
attached to the land. ..
[San Jose General::Real
Property Definition ]
If the terms
and conditions of the deal aren't acceptable, you
might want to pause and think twice. ..
[San Jose General::Negotiating
a Contract ]
Was vacating
your home for four or five prime-time hours worth the
inconvenience? ..
[San Jose Selling::Open
House Expectations ]
A listing agreement
is a binding legal contract that shouldn't be taken
lightly. ..
[San Jose Selling::Listing
Real Estate ]
A house that
"sparkles" on the surface will sell faster than its
shabby neighbor, even though both are structurally well-maintained.
..
[San Jose Buying::Getting
Real Estate Ready ]
Pricing decisions
should be grounded in reality rather than wishful thinking.
..
[San Jose Selling::Pricing
Your Property ]
Selling a home
can have a major impact on your federal and state tax
returns. ..
[San Jose General::More
Tax Information ]
Jump start your
understanding of your home's value by getting a
free estimated valuation. ..
[San Jose Buying::Real
Estate Appraisal ]
WHAT CAN I EXPECT
TO HAPPEN ON CLOSING DAY? ..
[San Jose General::Loan
Closing ]
This checklist
will help you understand all the costs related to your
closing. ..
[San Jose Financing::Closing
Costs ]
Learn how to
negotiate the very best possible! ..
[San Jose General::Negotiating
Tips ]
New home or not,
it pays to know what to look for in its structure, equipment
and surroundings. Give this article a browse before
you buy. ..
[San Jose Buying::Home
Inspector Worksheet ]
Here's an
explanation of debt to income ratio which is a comparison
of your gross (pre-tax) income to housing and non-housing
expenses. ..
[San Jose Financing::Debt
To Income Ratio ]
The two most
common types of mortgages are fixed-rate mortgages and
adjustable-rate mortgages, known as ARMs. ..
[San Jose Financing::Select
a Mortgage ]
A mortgage loan
is the amount of money you borrow from a lender to pay
for your home. ..
[San Jose Financing::Mortgage
Loan ]
Here are some
tips to help determine which house is best for you.
..
[San Jose Buying::Home
Selection ]
Real estate ads
are usually full of acronyms and terms that are unfamiliar
to first-time buyers. Here's a cheat sheet to let
you in on the lingo. ..
[San Jose Buying::Real
Estate Ads ]
Finding your
dream home is not hard if you know what steps to take!
..
[San Jose Buying::Find
your Dream Home ]
By following
these tips, home ownership will be a much smoother experience.
..
[San Jose General::Ownership
Advice ]
This article
continues to explore the benefits of home ownership.
You will descover facts which may leave you surprised..
..
[San Jose Buying::Home
Ownership: How To ]
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Should you hold
out until you have an offer that matches your asking
price? ..
[San Jose Sell
It : Negotiations ]
Understanding
your credit report is a very important thing! ..
[San Jose Understanding
Credit ]
Review the many
activities that you need to make sure are performed
before closing. ..
[San Jose Review
A Closing ]
During the escrow
process, you also will be informed of specialized conditions
that affect the home you wish to purchase. They may
include the ... ..
[San Jose
Preparing to Buy::Disclosures ]
The Loan Process
.... ..
[San Jose
Preparing to Buy::The Loan Process ]
Use a checklist
when moving .... ..
[San Jose
General::Moving Checklist ]
Proposition 90
allows a homeowner to transfer the base year value of
their principal residence in one county to a newly purchased
residence ... ..
[San Jose
Local::Proposition 90 ]
It is customary
and prudent for a buyer and seller to have a third,
disinterested party to assist them in carrying out the
terms of their agreement. In California, this procedure
is known as an escrow. ..
[San Jose
Preparing to Buy::What is Escrow? ]
When your loan
is submitted for underwriting, it goes directly into
the hands of an underwriter whose job is to determine
your "creditworthiness" or your ability to repay the
loan. An underwriter takes into consideration the following
aspects... ..
[San Jose
Financing::Underwriter ]
Frequently Asked
Questions ... ..
[San Jose
Financing::FAQs ]
New Home or Older
Home? There are pros and cons to each. While older homes
can offer interesting architectural details like higher
ceilings, for example, a home with higher ceilings can
produce more expensive heating costs. New homes on the
other hand are likely to be better insulated and more
energy efficient. ..
[San Jose
Buying::Considerations ]
Let's get started!
..
[San Jose
Buying::Are you ready? ]
How much do I
need? ..
[San Jose
Preparing to Buy:Savings? ]
What is a Mortgage?
.... ..
[San Jose
Buying::Home Loans ]
What you need
to know .... ..
[San Jose
Preparing to Buy::Need to Know ]
Geting PreApproved
..
[San Jose
Preparing to Buy::Pre-Approval ]
Estimate your
Buyin Power ... ..
[San Jose
Preparing to Buy::Buying Power ]
How much do I
need? ..
[San Jose
Preparing to Buy::How much? ]
Before you step
foot into ... ..
[San Jose
Preparing to Buy::Getting Prepared ]
Who pays what
in Santa Clara County? ..
[San Jose
Preparing to Sell::Who Pays What? ]
Escrow is the
process that buyers and sellers of homes use to complete
the monetary and legal details of a sale. ..
[San Jose
Preparing to Sell::The Escrow Process ]
Factors in pricing
your home ... ..
[San Jose
Preparing to Sell::How to Price ]
Your boss has
just given you the career opportunity of a lifetime,
but the job is in another state. ..
[San Jose
Preparing to Sell::Relocation Tips ]
What's Your
Style? : A Guide To The Most Common Homes ..
[San Jose
Preparing to Sell::Your Style ]
The sometimes
complex process required to sell your house can be confusing
and exhausting. It helps to know you are not alone and
that you have, at your disposal, my professional expertise.
I will help you to do the following: ..
[San Jose
Preparing to Sell::Your Agent ]
When you receive
an offer for your property, there are many decisions
to make and details to consider. We will help you evaluate
the quality of the offer, negotiate the terms and ensure
a smooth transaction. ..
[San Jose
Preparing to Sell::Accepting an Offer ]
Powerful Buying
Strategies and often overlooked tips for finding your
dream home faster and easier, and improving your bargaining
position when making an offer. ..
[San Jose
Buying::Powerful Buying Strategies ]
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