Donna Garrison REALTOR® 925.980.0273

Susan Schall REALTOR® 925.519.8226

Author: Admin

September 4, 2019

Open Houses this weekend

Enter to win a Sonos One with Alexa!

Visit 2 or more of our open houses this weekend and enter to win. Drawing to be held by Monday, Sept 9th.

Open Houses are all Sat/Sun 1-4pm.

Click the address to view photos & more info about each home

Ruby Hill Open Houses
1502 Via Di Salerno (Call for more info)
1361 Via Di Salerno
1018 Via Di Salerno
1535 Rubino Ct.
2161 Pomezia Ct.

3300 Newport Street
900 Sycamore Road
186 Junipero

By Admin
April 21, 2018

[FOR SALE] 3521 Valenza Way, Ruby Hill

4 BD, 3 BA, 2,627 SF on .17 acre lot backing to glorious open space.

Call for pricing.

For more information, contact Fabulous Properties – Susan Schall at 925.519.8226 or Donna Garrison at 925.980.0273.

By Admin
April 21, 2018

[FOR SALE] 1855 Sannita Court, Ruby Hill

5 BD, 5 BA, 6996 SF on Resort styled lot.
More info coming soon.

For more information, contact Fabulous Properties – Susan Schall at 925.519.8226 or Donna Garrison at 925.980.0273.

By Admin
April 20, 2018

[EXCLUSIVE] NOT ON MLS – 900 Sycamore Road, Pleasanton

Coming Soon.

Exclusive opportunity to own the home of your dreams.  Country setting yet very close to downtown, this 6,764 SF home sits on .93 landscaped acres with swimming pool, pool bath, 6 BD, 6 BA.

Offered at $3,100,000

For more information, contact Fabulous Properties – Susan Schall at 925.519.8226 or Donna Garrison at 925.980.0273.

By Admin
April 20, 2018

[FOR SALE] 1.4 Acre Commercial Lot – I580 Scenic Corridor in Livermore

FOR SALE – 1.4 Acres at Las Positas Road (across from 2784 Las Positas Road)
Commercial –Serving General Commercial APN – 99-15-65   61,022 SF +/-

Offered at $599,000

Build your dream business in this prime Livermore location with significant access potential from the region and community at large on this 1.4 parcel. Well suited for retail, office or service activity. Located in busy commercial area across from Walmart, Kohl’s, Wheel Works, Home Depot and Kaiser Permanente, near coffee, gym, preschool, and restaurants. With a population of approximately 75,000, the City of Livermore includes a historic downtown, thriving Livermore Valley Wine Country, and booming residential home market.

The site is located in the City of Livermore, located in the Livermore-Amador Valley in Alameda County. The cities of Dublin and Pleasanton are located approximately 3 miles to the west. The City of Tracy is located approximately 20 miles to the east, in the San Joaquin Valey. Regional access to the City and lot is provided by interstate 580, and State Route 84.

Community Serving General Commercial (CSGC) This designation provides for commercial uses appropriate to locations outside of the Downtown, in areas with significant access potential from the region and the community at large. The CSGC designation identifies location along major streets, and adjacent and accessible to a highway or freeway, where any one or combination of significant community serving retail, office, and service activity is appropriate. A broad range of commercial uses are appropriate. The precise commercial mix and uses will be identified at the time of zoning or specific project review. In general, the CSGC encourages the location of commercial uses generally consisting of a size, bulk and coverage found in a regional retail shopping center environment, including:

Destination-oriented prime retail tenants and accessory retail uses;
Business and commercial services; and
Professional and administrative offices
CSGC areas will be compatible with surrounding land uses. In the general area are Home Depot, Walmart, Kohl’s, Kaiser, Wheel Works, Popeye’s, Strings, Patelco Credit Union, Gamestop, offices, and Primrose School of Livermore.

Contact Susan Schall at 925.519.8226 or Donna Garrison at 925.980.0273 for more info.

By Admin
April 20, 2018

[FOR SALE] Development Opportunity – 2301 Concannon Blvd., Livermore

2301 Concannon Blvd., Livermore – Build a small restaurant or wine tasting room on this 2.08 acre site. The South Livermore Specific Plan provides information on requirements and uses for this highly visible lot in the Livermore Valley Wine Country.

Call Susan Schall at 925.519.8226 or Donna Garrison at 925.980.0273 for more info.

By Admin
March 26, 2018

Tips for Keeping Your Loan Process on Track

We recently heard from a friend in the mortgage business about a client of his whose loan was making great progress through the approval progress. But, just when he needed to update the couple’s bank statement in the final stages, he discovered the couple was so excited about their new home they had gone on a shopping spree. Needless to say, it took a lot of work and a loan from their parents to get their loan approval back on track.

We work closely with our clients and their lenders to help keep loans on track and ready to close in a timely manner. We thought the following tips from Diversified Capital Funding were good reminders and worth repeating.

So, David Letterman-style, here are the top 10 things NOT to do when trying to get your loan approved:

10. Do not shop for a new car or agree to a pre-approved credit card offers. Any credit inquiry lowers your credit score, which is viewed negatively by lenders.

9. Do not take on any new debt. It reduces the amount you are eligible to borrow.

8. Do not file for divorce. Once filed, most lenders will not make the loan until the final decree is recorded.

7. Do not move your down payment money from one account to another. Lenders will need a paper trail to find it.

6. Do not lose track of any records related to stock liquidation for your down payment.

5. Do not change the source of your down payment. Any change could force the loan to be underwritten again.

4. Do not leave town without providing your loan agent and Realtor with contact numbers.

3. Do not quit or change your job. Lenders call your employer to verify you work there. If you’re gone, the loan process will be stopped.

2. Do not make late payments on any of your current loans or credit cards. It could jeopardize your loan escrow close.

1. Do not forget to tell your loan agent about any changes to the transaction. Last minute alterations, such as seller credits or termite work, can affect the closing dates.

As your real estates experts, we’re here to help. If you have any questions or need more information on this topic, give us a call.

By Admin
March 26, 2018

Thinking About Buying Your First Home?

Thinking about purchasing a home of your own? Keep these critical considerations in mind:

How long you plan to live in the home.
If you purchase a home and get a job transfer or decide to move after only a short time, you may end up paying money in order to sell it. The value of your home may not have appreciated enough to cover the costs that you paid to buy the home and the costs that it would take you to sell your home.

The length of time that it will take to cover those costs depends on various economic factors in the area of the home. Most parts of the country have an average of 5% appreciation per year. In this case, you should plan to stay in your home at least 3-4 years to cover buying and selling costs. If the area you buy your home in experiences an economic up turn, the length of the time to cover these costs could be shortened, and the opposite is also true.

How long the home will meet your needs.
What features do you require in a home to satisfy your lifestyle now? Five years from now? Depending on how long you plan to stay in your home, you’ll need to ensure that the home has the amenities that you’ll need. For example, a two-bedroom dwelling may be perfect for a young couple with no children. However, if they start a family, they could quickly outgrow the space. Therefore, they should consider a home with room to grow. Could the basement be turned into a den and extra bedrooms? Could the attic be turned into a master suite? Having an idea of what you’ll need will help you find a home that will satisfy you for years to come.

Your financial health – your credit and home affordability.
Is now the right time financially for you to buy a home? Would you rate your financial picture as healthy? Is your credit good? While you can always find a lender to lend you money, solid lenders are more skeptical if your credit history is not good. Generally, a couple of blemishes on a credit report will make you a good credit risk and could qualify you for the lowest interest rates. If you have more than a couple of blemishes on your report, lenders like Quicken Loans may still provide you with a loan, but you may just have to pay a higher interest rate and fees.

Some say that you should refrain from borrowing as much as you qualify for because it is wiser not to stretch your financial boundaries. The other school of thought says you should stretch to buy as much home as you can afford, because with regular pay raises and increased earning potential, the big payment today will seem like less of a payment tomorrow. This is a decision only you can make. Are you in a position where you expect to make more money soon? Would you rather be conservative and fairly certain that you can make your payment without stretching financially? Make sure that whatever you do, it’s within your comfort zone.

To determine how much home you can afford, talk to a lender or go online and use a “home affordability” calculator. Good calculators will give you a range of what you may qualify for. Then call a lender. While some may say that the “28/36” rule applies, in today’s home mortgage market, lenders are making loans customized to a particular person’s situation. The “28/36” rule means that your monthly housing costs can’t exceed 28 percent of your income and your total debt load can’t exceed 36 percent of your total monthly income. Depending on your assets, credit history, job potential and other factors, lenders can push the ratios up to 40-60% or higher. While we’re not advocating you purchase a home utilizing the higher ratios, its important for you to know your options.

Where the money for the transaction will come from.
Typically homebuyers will need some money for a down payment and closing costs. However, with today’s broad range of loan options, having a lot of money saved for a down payment is not always necessary – if you can prove that you are a good financial risk to a lender. If your credit isn’t stellar but you have managed to save 10-20% for a down payment, you will still appear to be a very good financial risk to a lender.

The ongoing costs of home ownership.
Maintenance, improvements, taxes and insurance are all costs that are added to a monthly house payment. If you buy a condominium, townhouse or in certain communities, a monthly homeowner’s association fee might be required. If these additional costs are a concern, you can make choices to lower or avoid these fees. Be sure to make your realtor and your lender aware of your desire to limit these costs.

If you are still unsure if you should buy a home after making these considerations, you may want to consult with an accountant or financial planner to

By Admin
March 26, 2018

Six Simple Steps to Ensure a Smooth Home Purchase

Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible:

1. Check your credit.
Before you apply for a home loan, regardless of your credit, it’s a smart idea to obtain a copy of your credit report from the three major credit bureaus and review the information. If there are errors or things that need to be addressed, it’s easier to address them before you have found a house, than after you have found a house and are trying to close your loan.

If you know that there are a few blemishes on your credit, let your lender know what they are, why they are there, and why you are a still good credit risk. Lenders look at your credit to determine how likely you will pay back the loan. If you had extenuating circumstances – like a loss of a job or medical bills – let them know so that they understand that it is not likely to happen again in the future.

2. Get approved before you buy.
An approval means that a lender has reviewed your credit history, verified your assets and employment, and has approved your loan before you have found a home to purchase. As long as the home appraises for at least the purchase price, the loan should close.

Getting approved also gives you an advantage over other buyers. Your firm approval makes it easier for you to negotiate on the price of a home, than a person who is not approved or is pre-qualified.

While getting pre-qualified may sound official, it is really just getting an idea of what you can afford. Its having a person plug in a few numbers that you give them – your monthly income and your monthly debt – and getting an approximate payment calculated. From the payment, the calculator can approximate the house price range that you can afford. No information is verified. Because your assets, income or credit is not verified, a pre-qualification has little value when purchasing a home.

3. Find a great buyer’s agent.
Traditionally real estate agents represent the sellers in a transaction. When you are not working with a buyer’s agent, they are less likely to negotiate the best price or contingencies for you.

A buyer’s agent’s job and fiduciary responsibility (meaning legal duty) is to you, the buyer. Before working with an agent, establish if they are a buyer’s agent or a seller’s agent. After spending a lot of time with a Realtor, it’s natural to feel like you’re a team. But if they are not negotiating for you, then they are not on your team.

By Admin
March 26, 2018

How to Not Pay Too Much for Your Home

Whether you are buying your first home, or your fifth, the process of buying a home is a detailed, time-consuming venture. At the same time, it’s an emotional period laden with difficult choices. You want to ensure that the home you purchase meets your family’s needs now, and in the future.

Each of these decisions often involves money. When you consider all that money represents, you’ll want to ensure that you don’t pay too much. This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process. These include such things as knowing what you want before you begin shopping, taking your time to shop, choosing the right realtor, and remaining objective while viewing potential homes. With this information, you’ll be closer to finding your ideal home.

1. Before you shop, develop a needs vs. wants list
Everyone has a picture of an ideal home. This would include all the features you not only need, but have long desired. However, when it comes time to buying a home, the desires cost more. While it’s nice to think about having a beautifully landscaped backyard, or a solarium, perhaps even some built-in appliances, these are usually considered luxury items, which can add considerably to the price of your home.

That’s why it’s a good idea to develop a needs and wants lists. With this list, begin with items you really need like adequate space, garage and number of bedrooms. For most people, basic needs should be considered first. After that, you could consider additional desires, if you can manage these benefits financially.

With such a list in your hands, you’re less likely to be caught up in the excitement of the pursuit. You’ll have a good idea of what you want, within you price range, and if you can afford those additional items.

2. Get pre-approved prior to shopping
Visit your financial or lending institution prior to home buying. Quickly, you’ll know the amount of mortgage you’ll receive. Be sure to get a mortgage commitment in writing. Most importantly, you’ll tell sellers that you are a serious prospect. Depending upon market conditions, a seller may lean towards an unconditional offer. You’ll have less negotiating power if you have to wait for mortgage approval.

Banks and financial institutions have developed many programs especially for home buyers, be that first-time buyers or those with equity in their homes. When you review your needs and objectives with a lending officer, you’ll be one step closer to purchasing your home.

By Admin
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