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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
]
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Jose MLS Search 
