Are you drowning in Mortgage Debt?
| Do you owe more than your home is worth? If you are suffering from a harship, you could qualify for a short sale on your home. HARDSHIP conditions include, but are not limited to:
Call me or fill out this form to see if this solution will work for you so you can get OUT OF DEBT Fast! 530.413.8383 |
First-Time Buyers and Move-Up Buyers, this is for you!
| How To Know When It's Time To Buy If you have steady income with a good employment history, can provide a down payment of at least 3.5-10 percent of the purchase price and are current with all debts, it may be time to consider buying a home instead of renting. In some cases, the cost of rent may even exceed that of a typical mortgage payment.  Did you know that there are a number of incentives available to first-time home buyers? Everything from down payment assistance from the Town of Paradise and interest rates as low as 5 percent are just a few of the ways that lenders help to make the dream of home ownership into a reality for many. An FHA loan, for instance, is especially appealing to first-time home buyers. The best way to find out what's available, in terms of down payment requirements and interest rates, is to do your homework by comparing offerings from various lenders. Buying A Home With Bad Credit When it comes to buying a home, having bad credit is not the end of the world. Your future doesn't have to be defined by your past. Whether you have suffered from a bankruptcy, foreclosure or some type of financial hardship that resulted in late or missed payments, there are lenders who specialize in financing for those with less-than-perfect credit. You will likely have to produce a larger down payment and/or pay higher interest rates than someone who has good credit, but the important thing to know is that buying a home is an option for you. Call me when you're ready; I can help you buy or sell real estate! |
Home Buyer Tax Credit - Get it before it's too late
You’ve decided to purchase a home and take advantage of the Extended Home Buyer Tax Credit. Here's what you have to do to get your benefit:
I'd be happy to help you find your ideal home!
| Multiple Home Inspections Pay Off Buyers often assume that if a house is new there's no need to inspect it. What could possibly be wrong with a brand-new house? You'd be surprised.  Following the huge firestorm that destroyed many homes in Paradise, Calif., many contractors came to the area to take advantage of rebuilding opportunities. The planning department was overwhelmed. Inspectors rushed from one job to another. Problems that showed up after these new homes were completed were often due to faulty installation of windows and doors, improperly flashed decks over finished living areas, and lack of proper ventilation. One elderly homeowner rebuilt her home in a Paradise neighborhood after the fire. The house looked great, better than it had looked before the fire. However, it wasn't built as well. When the owner decided to move to a retirement facility, she sold the house. To her surprise, the termite report revealed that the one-story front stair system was severely damaged by wood pests and needed to be replaced at a cost of more than $20,000. The waterproof membrane had not been installed properly; there was no flashing and no ventilation. Water penetrated the stair system. The area under the stairs couldn't dry out. The damp wood frame provided an ideal environment for wood pests to do their damage. Several years after rebuilding, another homeowner discovered that the doors, windows, and terraces hadn't been properly installed. The house exterior, windows, exterior doors, and terrace had to be rebuilt. The homeowner successfully sued the contractor, but it was a time-consuming hassle, and necessitated moving out of the house during the rebuilding process. Many real estate agents provide forms for their clients to read and sign. These include strongly worded advisories to inspect the property thoroughly. Many inspection reports specify what is and is not included n the inspection. For example, wood-destroying pest (also known as "termite") reports usually don't cover mold. Home inspectors often don't inspect spas, irrigation systems or security systems. And they usually don't check the permit record. HOUSE HUNTING TIP: Most buyers don't read reports and contract documents carefully. It is important to do so. This means: Read over every word, including disclaimers. If an inspector or your agent recommends a further inspection, follow through and hire the appropriate professional to check out the system. Check directly with the local planning or zoning department for answers to pertinent questions that might affect your decision to buy a property. A further inspection could yield good news, as home inspectors tend to err on the side of caution to limit their liability. For example, one home inspector who inspected a home in Magalia, Calif., reported that the older roof needed to be replaced and recommended consulting a licensed roofing contractor. The roofer said the roof needed repairs but didn't need replacing. In another instance, the buyers' inspector reported that the furnace needed repair to keep hot air from escaping into an area that didn't need heat. The seller recently paid a heating contractor to make repairs to the furnace. The work was still under warranty. There was no repair cost incurred by either the buyers or sellers. Failing to complete a further inspection can have serious consequences. You could have a difficult time getting financial help from the sellers after closing if a further inspection was recommended and you did not have it done. Some homebuyers don't want to pay the cost of a further inspection, especially if the cost is high. In some cases, the sellers might be willing to share the expense of a further inspection with you. Weigh the cost of the further inspection against the possible cost to repair the defect. The cost may be minimal seen in that context. |
Buying, Selling or Relocating? Come see me in beautiful Paradise, California. "Relocation Expert"
If you are moving across town or to another state, I can help! Contact me for my expert relocation service!
Clients will select their Realtor based on a mutual level of trust, honesty and integrity. You should be confident in your REALTORS® ability to listen to your needs and manage your real estate transaction with attention to detail and clear communication. I promise to provide that and to go above and beyond your expectations. I really look forward to working with you and helping you with your real estate goals and needs. Please give me a call today or visit my website to start viewing properties & get FREE reports. 530-872-5428 http://www.ParadiseCountryHomes.com
I'm a FULL SERVICE REALTOR® working with Relocations, Buyers & Sellers. All of your information will be kept confidential and I will listen to YOUR needs.
My vision is to match every client with a neighborhood that suits their heart and a home that suits their budget.
My mission is to always exceed your expectations and to provide you with unparalleled service so you are thrilled with the outcome and comfortable with the entire process. I strive to be resourceful, responsive and attentive to every one of my clients.
Call me any time for an honest, professional experience!
I'd like to meet with you for a FREE, no obligation consultation when you are ready.
EXPECT THE BEST!
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