December 2017

Found 5 blog entries for December 2017.

For some buyers, having someone that has died in a property can be a deal breaker. The Seller Property Questionnaire (SPQ) has a question where this information can be disclosed to any parties potentially interested in purchasing the home. As I always recommend, if in doubt disclose! Below are some of the guidelines which may be used to better understand how death is disclosed during the sale of a property.

Disclosing Death 
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Schools are often a huge factor in the home you purchase whether you have children now, or are considering having children at some point in the future. A few years ago (~2013) the California Department of Education decided to change the way school scoring was calculated in order to take into account a number of parameters which account for the quality of education that is received. During this time, a company called Great Schools came into the picture and was able to claim a spot on many popular home search engines. Their ranking system is scored from 1-10 and also based on a variety of factors which include, diversity, test scores, community feedback, etc. 

On my website, I have adapted the Great Schools scoring and placed that information at the top of…
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No one goes into a transaction expecting hiccups. The California Residential Purchase Contract does have provisions (if signed) which can protect both the buyers and sellers in the event that some kind of disagreement or mishap does occur. Below, is a little bit of information provided by the California Association of Realtors which may help you better understand the arbitration process should it ever come up. 

Arbitration Information
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Beginning in 2017, new laws were passed regarding water conserving fixtures in homes. The California Association of Realtors has put out a great FAQ which answers many of the questions that buyers and sellers may have in regards to this new law. If in doubt, it is always best to disclose!

Water Conserving Fixtures FAQ
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As a buyer, you may decide to shop lenders to compare rates and loan programs to find the right one for you. One concern many people have during the pre approval process is whether or not having their credit checked by multiple lenders will hurt their overall credit score. To help better understand what hurts your credit score vs what doesn't, I have asked one of our lending partners to provide us with a little bit of insight. 

Hard credit inquiries are those done by lenders when evaluating your application for a loan or line of credit. They're also the type that can damage your credit score, especially in large numbers and over a short amount of time. Soft inquiries, aren't related to an immediate credit decision and will not affect your score. They can…
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