3% and 5% Low Down Conventional Loans are Back!

3__and_5__Low_Down_Conventional_Loans_are_Back__-_YouTube

Michael Koenig and Maureen Torretto discuss two conventional loans that require only 3 or 5 percent cash down! Yes, they are back. There are some limitations. Watch for more info.

Worrying about Limited Funds for a Down Payment or Closing Costs? It is well known that the primary barrier to homeownership for first-time home buyers has been saving enough money to make a sizable down payment and cover closing costs. Now, thanks to Fannie Mae, you may not have to stress about this key factor in realizing your dream of homeownership…

Maureen Torretto, Loan Consultant with iMortgage.
Email: maureen.torretto@imortgage.com
Phone: 925-577-8706

Questions? Send me a note.

Your Name (required)

Your Email (required)

Subject

Your Message

Input this code: captcha

Low Down Payment Conventional Loans Are Back!

Low_Down_Payment_Conventional_Loans_are_Back__-_YouTube

Michael Koenig and Maureen Torretto discuss a low-down payment conventional loan that requires only 10% down, affectionately known as an 80-10-10.

Stay tuned, as we’ll be discussing other loan products soon.

Maureen Torretto, Loan Consultant with iMortgage.
Email: maureen.torretto@imortgage.com
Phone: 925-577-8706

Questions? Send me a note.

Your Name (required)

Your Email (required)

Subject

Your Message

Input this code: captcha

It’s Time to Upgrade! How to Buy and Sell Your Home Simultaneously.

It_s_Time_to_Upgrade__How_to_Buy_and_Sell_Your_Home_Simultaneously__-_YouTube

Michael Koenig and Maureen Torretto discuss the steps involved in upgrading your home. How to sell your home and buy another at the same time!

There are 4 great reasons to upgrade now:
1. There is less competition.
2. The Process will be quicker.
3. Best Possible time to Move-Up.
4. Home Prices are Peaking

There used to be five, now there are four. Don’t forget to calculate your Purchasing Power! Hint, this has everything to do with low interest rates.

Maureen Torretto, Loan Consultant with iMortgage.
Email: maureen.torretto@imortgage.com
Phone: 925-577-8706

Questions? Send me a note.

Your Name (required)

Your Email (required)

Subject

Your Message

Input this code: captcha

Aerial Video Marketing Now Standard!

AirPixBot_on_black_VERY_large

DCIM100GOPRO

It’s 2014. We’ve seen housing bubbles form and then burst.
We’ve seen the dot.com boom and bust.

One constant in the real estate market, is that there is a continual transformation in the way properties are listed, sold and marketed to the public.

It used to be, Realtors were happy as clams just to get their listings faxed out to prospective buyers. Well, we’ve come a long way from thermal paper with baked-in black-n-white photos, baby!

 

Estate in the Hills
Do you own a property in a great neighborhood?

Is your home located in a serene or magnificent setting?

Is your location  truly what sets it apart from the rest?

Does your estate have a truly awe-inspiring landscape that took  years (and megabucks) to perfect?

Then allow me to sell those features for you! Those ordinary terrestrial based photos just aren’t going to cut it anymore.

If you’re looking to get top dollar for your home, then it needs to be marketed as such! Why settle for mediocrity in marketing.

With AirPixBot technology, we’ve got the power and ability to lift your listing above the rest.

Ask me how we can unleash our marketing prowess for you.

Your Name (required)

Your Email (required)

Subject

Your Message

Input this code: captcha

Home Improvement Projects That Pay You Back!

Home Improvement Proejcts That Pay You Back

Home Improvement Proejcts That Pay You Back

 

 

When Is The Best Time To Check Home Insurability?

When_is_the_best_time_to_check_insurability_of_a_home__-_YouTube


Michael Koenig and Dale Edelmann discuss when it would be the best time to check insurability of a house during the home buying process. The answer may not shock you!

The 2014 Real Estate Market Outlook

The_2014_Real_Estate_Market_Outlook_-_YouTube

 

Michael Koenig and Dale Edelmann discuss the outlook for the real estate market for 2014.

 

Huge Win For California Distressed Home Owners

shutterstock_119270362

shutterstock_119270362IRS and California Franchise Tax Board declare California distressed home sellers not liable for federal or state income tax on short sales

LOS ANGELES (Dec. 4) – The CALIFORNIA ASSOCIATION OF REALTORS®’ (C.A.R.) announced today it received a letter from the California Franchise Tax Board (FTB), obtained by Board of Equalization (BOE) member George Runner, clarifying that California families who have lost their home in a short sale are not subject to state income tax liability on debt forgiveness “phantom income” they never received in a short sale.

Last month, in a letter to California Sen. Barbara Boxer, the Internal Revenue Service (IRS) recognized that the debt written off in a short sale does not constitute recourse debt under California law, and thus does not create so-called “cancellation of debt” income to the underwater home seller for federal income tax purposes.  Following the IRS’s clarification, C.A.R. sought a similar ruling by the California FTB.  Now with the FTB’s clarification, underwater home sellers also are assured that they are not subject to state income tax liability, rescuing tens of thousands of distressed home sellers from California tax liability for debt written off by lenders in short sales.

“We are pleased with the recent clarifications issued by the IRS and the California Franchise Tax Board, which protect distressed homeowners from debt relief income tax associated with a short sale in California,” said C.A.R. President Kevin Brown.  “We would like to thank Sen. Boxer and BOE member Runner for their leadership in obtaining this guidance from the IRS and FTB.  Distressed California homeowners can now avoid foreclosure or bankruptcy and can opt for a short sale instead, without incurring federal and state tax liability, even after the Mortgage Forgiveness Debt Relief Act of 2007 expires at the end of this year.”

Leading the way…® in California real estate for more than 100 years, the CALIFORNIA ASSOCIATION OF REALTORS® (www.car.org) is one of the largest state trade organizations in the United States with 165,000 members dedicated to the advancement of professionalism in real estate. C.A.R. is headquartered in Los Angeles.

Ok. Now What?
Fill out the contact form below, to setup a discreet and confidential appointment to discuss your options. We are reputable Realtors licensed in California. Before you pay anyone to assist you, see if we can help. Our fees are paid by the lender, if you choose to do a Short Sale.

Your Contact Information    
First Name   *
Last Name   *
Email Address   *
Phone Number   *
Preferred Method of Contact  
     
Your Property Information    
Property Address  
City  
State  
Zip Code  
Property Type  
Number of Bedrooms  
Number of Bathrooms  
Year Built  
Square Footage  
Parking/Garage  
Special Features/Comments  
     
    *denotes a required field

  Input this code: captcha

Disclaimer: I am by no means an attorney or a tax professional. As always, consult your attorney and tax professional for specific questions! And if you think it will help to consult your politician, well… knock yourself out!

Stoneridge Drive Extension Finally Opening!

Stoneridge_Drive_Extension_Finally_Opening__-_YouTube

Woohoo!

 

The Stoneridge Drive Extension is finally opening!
Basically, it will allow you to drive straight through from the Livermore Premium Outlet Mall down Stoneridge Drive into Pleasanton. The Ribbon cutting ceremony will be on Friday, November 1st, 2013 at 10am.

See all Real Estate near the Stoneridge Extension Opening.
(all data current as of 1/27/2015)

  1. 2 beds, 2 full baths
    Home size: 965 sq ft
    Year built: 2007
    Days on market: 301
  2. 1 bed, 1 full, 1 part baths
    Home size: 1,243 sq ft
    Year built: 2004
    Parking spots: 1
    Days on market: 70
  3. 1 bed, 1 full bath
    Home size: 840 sq ft
    Year built: 2004
    Parking spots: 1
    Days on market: 108
  4. 1 bed, 1 full bath
    Home size: 840 sq ft
    Year built: 2004
    Parking spots: 1
    Days on market: 300
  5. 1 bed, 1 full bath
    Home size: 840 sq ft
    Year built: 2004
    Parking spots: 1
    Days on market: 6
  6. 1 bed, 1 full bath
    Home size: 840 sq ft
    Year built: 2004
    Parking spots: 1
    Days on market: 73

Listing information deemed reliable but not guaranteed. Read full disclaimer.

City of Livermore Featured on Today in America! [Video]

Today_in_America_TV_with_Terry_Bradshaw_Features_City_of_Livermore__CA_-_YouTube-3

 

Our own city of Livermore was featured on “Today In America”, a show hosted by Terry Bradshaw.

Livermore is no longer up and coming. It’s new and improved and here to stay!

Pretty cool, eh?

Here are some links to places mentioned in the video:

Livermore Premium Outlets – click for website

Wente Vineyards, Concerts – click for website

Livermore Valley Wineries and Events – click for website

Livermore Valley Performing Arts Center – click for website

Livermore 13 Cinemas  – click for website

Livermore Downtown Events – click for website

Home of the World’s Longest Burning Lightbulb – click for website

Annual Livermore Rodeo – click for website

i-Gate Technology initiative – click for website

Lawrence Livermore National Laboratory – click for website

Sandi National Laboratory in Livermore – click for website

Would you like to make the move to our awesome town? Here are some of the latest homes to hit the market:

See all Real estate in the city of Livermore.
(all data current as of 1/27/2015)

  1. 3 beds, 3 full, 1 part baths
    Home size: 1,830 sq ft
    Lot size: 1,664 sqft
    Year built: 2015
    Parking spots: 2
    Days on market: 1
  2. 3 beds, 3 full baths
    Home size: 2,421 sq ft
    Lot size: 10,523 sqft
    Year built: 1971
    Parking spots: 2
    Days on market: 3
  3. 3 beds, 2 full baths
    Home size: 1,519 sq ft
    Lot size: 6,914 sqft
    Year built: 1966
    Parking spots: 2
    Days on market: 4
  4. 4 beds, 2 full, 1 part baths
    Home size: 2,221 sq ft
    Lot size: 6,054 sqft
    Year built: 1967
    Parking spots: 2
    Days on market: 5
  5. 3 beds, 2 full, 1 part baths
    Home size: 2,012 sq ft
    Lot size: 3,219 sqft
    Year built: 2008
    Parking spots: 2
    Days on market: 5
  6. 4 beds, 3 full baths
    Home size: 2,857 sq ft
    Lot size: 7.06 ac
    Year built: 2002
    Parking spots: 5
    Days on market: 6
  7. 4 beds, 2 full, 1 part baths
    Home size: 1,924 sq ft
    Lot size: 6,434 sqft
    Year built: 1990
    Parking spots: 2
    Days on market: 6
  8. 4 beds, 3 full, 1 part baths
    Lot size: 1,641 sqft
    Year built: 2015
    Parking spots: 2
    Days on market: 6

Listing information deemed reliable but not guaranteed. Read full disclaimer.