About Alameda County, CA

So you are looking to buy a home in Albany. In this eddition of Golden Nuggets we will take a look at Down Payment Assistance and First Time Home Buyer programs in the Alameda County, CA City of Albany. There is $67,000 in Down Payment Assistance available for the purchase of your New Home. The funds may be in the form of grants, gifts and silent seconds with affordable housing covenants and/or equity share restrictions. Funds may come from the City, County, State, or other Agencies and Non-Profits.

Summary: The City of Albany does not currently have a Down Payment Assistance Program or First Time Home Buyer program available directly through them. Assistance may be available from County, State and other resources.

The State of California offers up to an additional 6% in assistance through several programs designed to help First Time Home Buyers, plus a bonus of $7,500 because Albany is a high cost area.

Special financing may also be available, including additional Down Payment Assistance and Below Market Interest Rates. Restrictions Apply.

To see if you are eligible for assistance contact Nate Ellis.

or Call 888-808-NATE (6283)

Nate Ellis "Mr. Danke Schoen" is the Vice President of the Contra Costa Realtors in Motion(CCRIM) real estate marketing group. Nate Ellis specializes in assisting First Time Home Buyers with no money down by leveraging Down Payment Assistance in the form of grants and "silent seconds". Nate Ellis is a certified lender for the City of Walnut Creek, City of Concord and City of Pittsburg First Time Home Buyer program, as well as several other San Francisco Bay Area Cities. Nate Ellis is also the Chairman of the Mt Diablo Housing Opportunity Center(MtDHOC) steering committee. The MtDHOC acts as the central resource for Contra Costa County's housing needs and education regarding: First Time Home Buyers, Foreclosure Prevention, Senior Housing and Landlord and Tennant resources. Nate Ellis is also a Certified Money Management Volunteer (CMMV) for Money Management International and assists people with credit evaluation and financial education. Nate Ellis is a certified CalHFA, CalPERS and FHA Lender. Nate Ellis is a Loan Officer for Residential Pacific Mortgage 3201 Danville Blvd, Alamo, CA 94507. Equal Housing Lender. Any rates or programs quoted or referenced are not guaranteed and are subject to terms and conditions. All offers and programs may be withdrawn at any time. ©Copyright 2008 MrDankeSchoen Nate Ellis http://www.cahousingblog.com/ Nate@BuilditBuyitRefiit.com Help a Teacher, Cop, Firefighter or EMT be a Good Neighbor.

Well 2008 here we come. One thing is for sure... until the tide changes in which more homes are coming off the market via sales than are coming on, the Tri-Valley Real Estate will be a Buyers market. Having said that, what exactly does a Buyers market mean? Prices will be flat and fluid, and the number of days a house stays on the market will remain high. This also means, homes will be fetching a market price as oppose to the premium we saw the last couple of years. And the market price is currently very fluid. This also means, pricing a home for a quick sale will be more challenging than ever and will be more important than ever. In our current fluid market, buyers are continually trying to re-test the seller's price. i.e. Home buyers now are getting more saavy... they want the seller to justify their price per square foot... and many are submitting offers 10-15% below the existing asking price. Buyers still have no sense of urgency, and looking for the proverbial, good deal, Which is something I continue to trend toward. Both the Seller and Buyer have to believe the home fetched the current market price!!!

Gail

www.gailboal.com

In this edition of Golden Nuggets we will investigate Down Payment Assistance Programs in the SF East Bay County of Alameda. Buyers of homes in Alameda County may be eligible for up to $150,000+ in Down Payment Assistance and various Grants to buy a home in the county.

There are 14 incorporated Cities in Alameda County - Alameda, Albany, Berkeley, Dublin, Emeryville, Fremont, Hayward, Livermore, Newark, Oakland, Piedmont, Pleasanton, San Leandro and Union City.

Every home in Alameda County is eligible for some amount of Down Payment Assistance. The exact amount of assistance will vary depending on:

•· Property Location

•· Purchase Price

•· Loan Amount

•· Household Income

•· Available Down Payment

•· Appraisable Value of the Home

•· Cities YOU Currently Live, Work, Worship or have Relatives in

In addition to the guidelines above there are some additional items that can influence your eligible assistance. Your occupation and if you have owned a home in the past 3 years can play a role in the amount you can receive.

The Table below will show you the maximum amount of assistance available for a buyer to purchase a home in that City. You may click on the link for the City to find out more about the programs and some of the restrictions for each of the cities. To get your FREE Assistance Report (AR) Click on the link next to the City, and an email will be prompted.

(If your City is not Hyperlinked yet, check back soon for updates)

Most borrowers will not qualify for the maximum assistance. Restrictions Apply. Some programs require a minimum down payment, other programs allow for no money down options. Every home purchase is different. You do not have to be a First Time Home Buyer to be eligible for some assistance.

Nate Ellis "Mr. Danke Schoen" is the Vice President of the Contra Costa Realtors in Motion (CCRIM) real estate marketing group. Nate Ellis specializes in assisting First Time Home Buyers with no money down by leveraging Down Payment Assistance in the form of grants and "silent seconds". Nate Ellis is a certified lender for the City of Walnut Creek, City of Concord and City of Pittsburg First Time Home Buyer program, as well as several other San Francisco Bay Area Cities. Nate Ellis is also the Chairman of the Mt Diablo Housing Opportunity Center (MtDHOC) steering committee. The MtDHOC acts as the central resource for Contra Costa County's housing needs and education regarding: First Time Home Buyers, Foreclosure Prevention, Senior Housing and Landlord and Tennant resources. Nate Ellis is also a Certified Money Management Volunteer (CMMV) for Money Management International and assists people with credit evaluation and financial education. Nate Ellis is a certified CalHFA, CalPERS and FHA Lender. Nate Ellis is a Loan Officer for Residential Pacific Mortgage 3201 Danville Blvd, Alamo, CA 94507. Equal Housing Lender. Any rates or programs quoted or referenced are not guaranteed and are subject to terms and conditions. All offers and programs may be withdrawn at any time. ©Copyright 2008 MrDankeSchoen Nate Ellis http://www.cahousingblog.com/ Nate@BuilditBuyitRefiit.com Help a Teacher, Cop, Firefighter or EMT be a Good Neighbor.

Alameda, Albany, Berkeley, Dublin, Emeryville, Fremont, Hayward, Livermore, Montclair, Newark, Oakland, Oakland Hills, Piedmont, Pleasanton, San Leandro, Union City

After many years of studies and meetings we have created a gem of a golf course. Callippe Preserve is a city owned public facility that combines a difficult flat valley style golf course with a target style hill course. Hannah Montana says it is the best of both worlds. Landing areas are critical. Hit your drive incorrectly and you create a whole lot of aggravation. Once you get to the greens your fun continues. Although the greens are not as slick as some, they are very tricky with multiple elevations. I may start with a good putting stroke, but I never end my round with one as I can only think of a frosty beer at the club's bar.

You may think that I don't like playing Callippe Preserve...WRONG... this is a very good test for most golfers. You have to think. You have to play the game and not just hit the ball. Callippe Preserve is a wonderful golfing experience in a great environment. When I play a golf hole well, I ride proudly to the next tee.

Here is some info about Livermore:

Founded in 1869, Livermore is located in the Tri-Valley region East of San Francisco on Interstate 580 providing easy access to both the Central Valley and San Francisco Bay metropolitan area.

Livermore is the epitome of California living with its urban amenities and relaxed lifestyle. Surrounded by vineyards and golden hillsides, yet less than an hour from San Francisco - Livermore is ideally located for trips to the mountains or the ocean. Great hospitality, community spirit, and a sense of history with a tendency towards the futuristic - this is the image of California and an essential part of Livermore's appeal.

Livermore also has 30 wineries which offer an exceptional array of events, concerts and tasting throughout the year. The historic downtown showcases all the great things about our city such as fine dining and our award winning Livermore wines. The Livermore Downtown Association sponsors year round street events including the Wine Country Festival which draws more than 100,000 people. Livermore also boasts beautiful parks and hiking trails, the world fastest rodeo, and the California Independent Film Festival - the fasting growing film festival in the state.

So come on down to Livermore and check it out.