Steps to purchasing a home!

Purchasing a home - one of the biggest purchase/investment you will ever make!!

Home purchasing is not an easy process!  Depending on your unique situation and needs along with the current era of short sales/foreclosures,  you will spend hours, days, months and in some case years before you will purchase and or move into your dream home.  And we have not even touched on the subject of  all the paperwork involved with this process.Do you know what to do? How to go about it?  Where to start?  Are you a fist time home buyer?

But, don’t let this scare you.  Just like with any process, once you break it down to meaningful steps, it becomes easier to understand and handle.  Having said that, here is a summary outline of steps to purchase a home:

1) Figure out  your purchase financing options.  Unless you will be purchasing with all cash! How much can you afford?  Seek a loan professional who can guide/advise you based on your unique financial situation. Ask them to provide you a preapproval letter based on verification of your income, expenses, credit, assets and other required items.

2) Find a Real Estate agent and interview them to see what will they or can do to help you.  Ask for referrals! Go over the purchase process, contracts, disclosures, timeline, expectations, various options etc.

3) Identify your ideal city, neighborhood, schools and property. Drive around the neighborhoods, see what you like, what you don’t like.  Check out open houses in the areas you like

4) Make an offer based on your consultation with real estate agent

5) If your offer is approved, you will be in contract and in escrow.  Your earnest money will be deposited and contingency period will begin. Be in constant communication with your Realtor, your loan/mortgage consultant.  Do not make any major purchases or do anything that will impact your financial situation

6) If offer is not approved and all parties cannot come to terms then you will go back to step #3 and start this process again

7) Once all contingencies are removed, documents are signed and bank has funded the loan and the deed has been recorded under your name, you will then own the house!

 

For any Real Estate advice please contact Waseem Sufi at 925-321-5346

For any Financing advice, please contact Charlett Jensen with Diversified Mortgage Group at 925- 918-2502

 

 

Make A New Year’s Resolution You Can Keep…For Good!

Make A New Year’s Resolution You Can Keep…For Good!.

via Make A New Year’s Resolution You Can Keep…For Good!.

Single Story Danville House!

Danville Beauty! Bedrooms: 3 Baths: 2 Square Feet: 1663 Lot Size: 0.360 Price: $725,000 Open House! 15 PARAISO Ct, DANVILLESaturday December 17, 2011, 1-4pm

- (4) Car Garage

- Pool

- (.35) Acre Lot

Taste of Tri-Valley Restaurant Week

Reblogged from Tri-Valley California Wine Blog:

More than 20 businesses from Pleasanton, Livermore, Dublin, San Ramon and Danville will celebrate Taste of Tri-Valley Restaurant Week January 21-29, 2012. Taste of Tri-Valley Restaurant Week is an incredible opportunity to experience some of the best wine and food in the destination at a value they can’t get at any other time of the year. January is also a great time to get hotel deals with the Winter Weekend Getaway promotion, offering a $50 Visa card for weekend stays. Visit and experience the …

You have to check this out!!

Looking for a Best Mortgage Deal?

As you may know that Interest rates are still the lowest in many years.  So when folks are thinking about obtaining a new loan or even refinancing, most will only inquire about the rates that each lender/broker is offering and fail to ask or compare all the fees and commissions that may be tagged on to their total loan package.  So, in the end, they may end up paying much higher amounts in the long run.

Interest rate is only one part of the total loan package.  Don’t just go with whoever quotes you the lowest interest rate.   You need to look at several items including service,  points, fixed or adjustable rate, APR rate, fees, PMI etc…  You want to compare apples to apples.  You have a right to ask about every single item that will be included in your loan.

Department of Housing and Urban Development (HUD) has prepared a Mortgage Shopping Worksheet that you may want to use when comparing loan packages.  This sheet may not cover all the items that may be included as part of the loan package, however, it does cover most of the main items that you want to ask each lender/broker about and then make the best decision in consultation with your trusted loan advisor.

Giving on ThanksGiving!

A Thanksgiving Dinner by the Community for the Community!

Not just the very first dinner I might add!  This is the 29th year where free hot meal dinners are being provided for anyone who would like to stop by on Thanksgiving day at Bothwell Center in Livermore!

No questions, no speeches, no fee!

I had a chance to volunteer this year at this wonderful event and it was amazing to see so many folks, seniors, singles, families, veterans just coming in and enjoying a delicious dinner with all the trimmings served by a super team of volunteers.  I must say a big Tank You to all these wonderful volunteers for putting this together and making a difference in our lives.

If you know of anyone who would like to participate for dinner and or volunteering, please visit their web site at: www.lctd.org

Volunteer opportunities go real fast so be sure to check in early next year.

Near Pleasanton Downtown – $399,000!

Open House – Sunday November 13, 2011 (1 to 4pm)

207 Rachael Place

Wonderful three bedroom, two and one half bath, two story home, walk to downtown, upgrades, freshly painted, light and bright  -  $399,000.  

 

Future Living, Properties – coming soon to a neighbor hood near you??

Please check out this video by Corning on what and how Glass Technology  may be used in living, buying and using some of the items in the near future!

I CAN do!

Can you?

See what a difference a CAN can make!

The time is here.  Get ready.

Charlett Jensen with Diversified Mortgage  and Waseem Sufi with Prudential California Realty will be knocking on your doors (real soon) to ask for your help in feeding the hungry!

According to the Alameda County Community Food Bank, it serves 49,000 people each week—from Berkeley to Fremont, Oakland to Livermore. With demand for emergency food at all-time high, your support is needed to ensure our neighbors have the food they need this holiday season!

Make this list part of your Christmas shopping list this year

Please take  a look at this video to Follow the Can!

Champion San Ramon Property on Campion!

Open House – Saturday, November 5, 2011  (1 to 4pm)

5106 Campion Dr., San Ramon

Why you should come take a look at this property:

- One of the lowest $/Sq.Ft in the area. Currently at $297/sq.ft.

- Sellers are relocating and need to sell now

- Less then one year old

- Not a short sale or bank owned

- Lots of upgrades that you may not find in brand new homes

- Negotiate, negotiate, negotiate!