HIDDENBROOKE REAL ESTATE-WHAT ARE CLOSING COSTS? Closing on the purchase of your new home, also known as "settlement," involves a good deal of coordination. Costs and fees are paid at closing to cover many of the elements that accompany the purchase. All closing costs are outlined in the Good Faith Estimate (GFE) you receive - a written list of the approximate closing costs associated with your transaction, including charges from us, the local closing agent and other third parties. Closing costs may be added to the amount of your mortgage loan, and a seller may sometimes cover closing costs you would usually pay. Ask us for details. All closing costs can be divided into two basic groups: •·         State and local government charges and fees - These include city, county and state transf... 02/22/2011

Hiddenbrooke Homes for Sale--I want to move up to a better home. What can I afford? Each buyer is unique - and we'll help you find out just what you can afford. You already know that monthly income and financial obligations are most important in determining your price range. It's simple to make an estimate: just run the numbers for yourself using our Affordability Calculator. I'm buying a second home. Is it a different process? No. Whether you need to be near the water or in the mountains, a vacation home offers an opportunity for fun and relaxation - and we make it just as easy to obtain a mortgage. But keep in mind you'll need to identify sources for your down payment, since you're not selling your current house and using the proceeds, and you'll need to expect a larger monthly obliga... 02/16/2011

HIDDENBROOKE HOMES FOR SALE--DO I NEED MY OWN AGENT WHEN BUYING NEW CONSTRUCTION? A common misconception when purchasing new construction is that you don't need an agent. •·          That friendly and helpful salesperson works for and represents the builder's interest and the builder's interest only. Shouldn't you have independent representation?   •·          An agent can give you objective professional advice and insight during all phases of the process, such as contract, construction, walkthrough, and closing.   •·          An agent is your exclusive advocate and will help you understand your contract and obligations including when to schedule construction inspections.   •·          While the sale representative will always give the appearance that sales prices are non-negotiable, an... 02/11/2011

HIDDENBROOKE HOMES FOR SALE--10 REASONS WHY NURSES MAKE GREAT REALTORS Nurses are pretty amazing. Great nurses aren't just compassionate and kind - they have all the medical smarts of a doctor too!   But why should you hire a nurse to be your Realtor®? 1.       We care about you.  Nursing is all about caring.  We want to make you comfortable, take away your pain and make everything feel better.  Buying a home is a big deal.  It can be stressful.  Don't you want a Realtor® who is trained to make pain go away? 2.      We have great communication skills.  As nurses we have to deal with a lot of people and communicate a lot of critical information to ensure the best outcome for our patients.  A great nurse has excellent communication skills, especially when it comes to speaking and listenin... 01/24/2011

HIDDENBROOKE REAL ESTATE-HOMES FOR SALE-BUY WITH A CREDIT SCORE OF 500 Has your credit suffered because of recent economic conditions?  Do you have some cash on hand or have someone willing to gift some money to you?  Then you may be able to purchase a home under the new FHA guidelines. Effective January 15, 2010 certain lenders can now do FHA loans with credit scores as low as 500!  Please see the new policy changes below: Credit Scores 500-579 allowed with a minimum down payment of 10% Credit Scores 580-599 allowed with a minimum down payment of 5% Credit Scores 600 and above remains the same at a 3.5% down payment Together we can get more people into homes!  Make it a great day and go buy a house.  For a list of lenders who can do this, please contact me. For more information on Hidd... 01/17/2011

Homes for sale in Vallejo CA from $200,000 to $300,000 with 3+ bedrooms. With today's lower interest rates coupled with very low home prices it's realistic to own a great home for the cost of rent money. In addition many homes are priced perfectly for investment opportunities, allow the savvy buyer an opportunity to build a real estate portfolio or add to one. With affordable homes for sale in Vallejo CA from $200,000 to $300,000 there are many great buys. Many of these homes have been refurbished by the current owner who is looking to short sale or by the previous owner who was foreclosed on. It makes sense to look into this buyers market with your eyes on the real deals in the marketplace. Click the highlighted link to find the opportunities for affordable homes for sale in Vallejo C... 01/06/2011

If you asked a hundred different FHA 203k consultants you may get as many different answers. How can that be? It is easy if you look at your own business, there are many people who do what you do, some do it better than you and some do it like you do, and yet others seem to do nothing. It is the same in the business of FHA 203k consultants. Our slogan is "Providing more than you expect" and we take it seriously. Not all consultants actually "consult". We do I had a long time 203k consultant call me one day and ask if we would discount our software as she didn't need all the forms we provide our clients.. after thinking this over for a few seconds I suggested that if the other software choice does what she wants then she should go with it as we aren't interested in being associated with ... 12/04/2010

Earl Miller has assembled a team of experts to do short sales. call now 707-280-6366 Earl Miller Benicia Real Estate www.earlsbeniciarealestate.com 707-280-6366 Earl Miller Benicia Real Estate www.earlsbeniciarealestate.com 707-280-6366 Short Sale Experts, short sales, foreclosures, buying, selling, coldwell banker solano pacific 11/28/2010

Lowe's Home Improvement Store in Vallejo is OPEN for business. Finally it is here and ready to serve Vallejo and its surrounding communities.  I live in Benicia and this is a hop, skip and a jump for me to get to.  There is easy access from Columbus Parkway and a quick hop to HWY 80.  This is heaven on earth to get a Lowe's so close by for many of us who are "love to shop at home improvement stores kinda people". Now when the sale flyers come out I can make sure I get there quickly for the best selection.  I have always admired Lowe's garden shop.  The flowers and plants are so fresh and vibrant in color.  And most important I have never had to hunt a customer service person down!  There is always someone close by ready to answer questions and help me. The hours of operation are Monday ... 11/13/2010

Hiddenbrooke Golf Course is located about 40 miles northeast from the heart of San Francisco.  You do not have to drive far to find such an outstanding place to enjoy a day of golf! Nestled between hills with easy access from HWY 80, you will think you found paradise upon driving along the winding road to the community. Hiddenbrooke Golf Club is a world-class championship golf course designed by golf legend, Arnold Palmer. Golf Digest awarded Hiddenbrooke with the prestigious four and a half out of five star rating. Hiddenbrooke Golf Club is proud to be the only course in the surrounding Contra Costa, Marin and Yolo counties to receive the four and a half star rating. Pebble Beach Golf Links and Spyglass Hill are the only two courses in California to receive the five star rating. The 20... 11/09/2010

HIDDENBROOKE REAL ESTATE- WHY SELLING YOUR HIDDENBROOKE HOME DURING THE HOLIDAYS MAY BE A DARN GOOD IDEA Most people think that listing their home during the holiday season can't possibly be a good idea.  They want to either take if off the market or wait until next spring to put it on the market.  But with the lower inventory on the market here in Hiddenbrooke, there's no a better time to list your home than right now!  Here's 11 Great Reasons to List Your Home During the Holidays...   11 Great Reasons To...  LIST YOUR HIDDENBROOKE HOME DURING THE HOLIDAYS! People who look for a home during the holidays are more serious buyers. Serious buyers have fewer houses to choose from during the Holidays and less competition means more money for you. Since the supply of listings will dramatical... 11/09/2010

Homes For Sale in Hiddenbrooke CA- Market Update. Homes For Sale In Hiddenbrooke, Week Of November 8, 2010 There were no new listings for sale in Hiddenbrooke CA in the last 7 days. Click Here to see all 25 Hiddenbrooke  Homes For Sale. The Hiddenbrooke CA real estate market continues to show signs of improvement. In fact, I have several buyers looking for homes in Hiddenbrooke right now. If you, or someone you know is interested in selling for top dollar, email, call or text me. DOWNPAYMENT ASSISTANCE IS BACK!! Grant Funds Are Available For Hiddenbrooke CA Homebuyers! You can get up to $ 12,635 available for Down Pyament and/or Closing Cost Assistance. No repayment of grant required-this is a true grant. Grants are available for single family homes, Condos & PUD's--no income producing... 11/09/2010

This past weekend while doing some shopping at Safeway in Glen Cove, the Veteran Association was collecting money and giving away the red poppies.  I can remember my dad proudly wearing the poppy when I was a child in London, Ohio.  I was always intrigued by the paper flower. So I gladly opened my pockets and gave some money to the Veteran.  Every Veteran who volunteers to do this stands proud and humbly asks for donations.  My dad was a WWII Veteran and was very proud to serve his country.  We never got tired of his stories.  He made lifelong friends that up until the day he died, he communicated with.  When he passed away three years ago the letters sent by some of his "old buddies" made us cry.  They told adventures my dad and friends had in Europe and the continued friendship that s... 11/08/2010

      Homes For Sale in Hiddenbrooke CA- Market Update. Homes For Sale In Hiddenbrooke, Week Of November 1, 2010 There were 3 new listings for sale in Hiddenbrooke CA in the last 7 days. Click Here to see all 25 Hiddenbrooke  Homes For Sale. The Hiddenbrooke CA real estate market continues to show signs of improvement. In fact, I have several buyers looking for homes in Hiddenbrooke right now. If you, or someone you know is interested in selling for top dollar, email, call or text me. DOWNPAYMENT ASSISTANCE IS BACK!! Grant Funds Are Available For Hiddenbrooke CA Homebuyers! You can get up to $ 12,635 available for Down Pyament and/or Closing Cost Assistance. No repayment of grant required-this is a true grant. Grants are available for single family homes, Condos & PUD's--no income produ... 11/04/2010

Nicole Monary of Coldwell Banker Presents Selling Your Hiddenbrooke Home During the Holidays HIDDENBROOKE HOMES FOR SALE  COLDWELL BANKER® SOLANO PACIFIC RECOMMENDS USING HOLIDAY SPIRITTO SELL A HOME AT THE END OF THE YEAR  The end of the year is not just about holiday shopping, family gatherings and other festive events.  Many people use the time off to move before the New Year.  Nicole Monary of Coldwell Banker Solano Pacific offers the following tips to help sellers maximize their home's charm and allure during the holidays: Increase Curb Appeal: First impressions are critical. If the home is in a snowy area, make sure to clear the walkways and driveway.  Remove any late fall leaves, and ensure the path to the stairs is free of ice. Put up a few exterior holiday lights and decoration... 11/04/2010

We were doing a 203k loan consultation the other day and low and behold we met the nicest couple who turned out to be the owners of Zio Fraedo's Italian & Continental Restaurant in Vallejo what a small world. I lived in Pleasant Hill for my last year in high school and a couple years there after and the branch of Zio Fradeo's was a regular stopping place for nice dinners out with your best girl.  About a year ago, wow how time flies when you are having fun. Anyway, a friend of mine "Danny N." called me up for lunch and since he lived in Martinez we met at Zio Fraedo's for lunch on a Friday. It turns out in Pleasant Hill they have their famous Clam Chowder only on Fridays. Well, let me tell you that the Vallejo branch has it every day and it is worth the trip. The Pleasant Hill restauran... 10/31/2010

The Taste of Home Cooking School and Food Expo is coming to Vallejo, CA November 4th.  It will take place at the Solano County Fairgrounds off I80.   My husband even said he might go with me.  I have enjoyed the Taste of Home magazines for years and discovered instead of the magazines, I can get the yearly hard covered recipe book that features the recipes from the magazines for that year.  These are much easier to store than the magazines.  I have found the recipes to be easy to prepare and oh so good!  My parents got me hooked on Taste of Home over 20 years ago.  I would say most of the recipes evoke memories of comfort food and the contributors are mostly from the Midwest.  Now there is the chance to go to the Taste of Home Cooking School that only comes once a year to our area.  In ... 10/31/2010

Lowe's is coming to Vallejo, CA!!  A brand new store located on Columbus Parkway and you cannot miss it.  Parking is abundant and there is easy access from the road.  At one end there will be a dedicated traffic light. The signs are up "coming soon" and they are in the midst of hiring.  This will help our local economy by providing jobs and wonderful new place to shop.  I know I am excited as their product selection is extensive and the garden department will be one of the largest around.  Lowe's has a great program that teams up Realtors.  Get a 10% off purchase coupon through Melanie Ross. Lowe's also offers newsletters and project ideas.  Please contact Melanie Ross, Coldwell Banker Solano Pacific, about getting on Lowe's distribution list for all these free ideas. Lowe's should be o... 10/24/2010

   Homes For Sale in Hiddenbrooke CA- Market Update. Homes For Sale In Hiddenbrooke, Week Of October 18th, 2010 There were no new listings for sale in Hiddenbrooke CA in the last 7 days. Click Here to see all 20 Hiddenbrooke  Homees For Sale. The Hiddenbrooke CA real estate market continues to show signs of improvement. In fact, I have several buyers looking for homes in Hiddenbrooke right now. If you, or someone you know is interested in selling for top dollar, email, call or text me. DOWNPAYMENT ASSISTANCE IS BACK!! Grant Funds Are Available For Hiddenbrooke CA Homebuyers! You can get up to $ 12,635 available for Down Pyament and/or Closing Cost Assistance. No repayment of grant required-this is a true grant. Grants are available for single family homes, Condos & PUD's--no income prod... 10/19/2010

HELP!!!  MY INVESTMENT PROPERTY IS BLEEDING ME DRY-HIDDENBROOKE REAL ESTATE-HOMES FOR SALE Do you feel that you your investment property is no longer making money for you?  Don't want to wait to see if the market is going to come back?  Are you stuck with a bad income investment property forever? The short answer is no. There are ways out, though some will prove easier than others. 1. Loan Modification - Meeting with your lender and working out a mortgage with more favorable terms is your best bet. Most likely not going to be as successful as other strategies and may take up to six months to finalize. 2. Refinance - Currently, it's nearly impossible to get a lenders to refinance an upside down mortgage, especially if you've been late or missed payments.  3. Offer to Sell to Your Tenant ... 10/12/2010