FHA is lowering the cost of homeownership – FHA Mortgage Insurance Premium Reduction

FHA_lowers_MIP

 

FHA has reduced annual mortgage insurance premiums that will take effect January 26, 2015. FHA will temporarily approve cancellation requests for active FHA Case Numbers within 30 days of the effective date.

Contact us to find out how this change can save you money in your purchase or refinance!

 

EMAIL jaynelle.bell@gmail.com   Direct: 510.206.7144

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Lovely Richmond Marina Bay Home – five minute walk to the bay

Visit www.ebpre.com for more active properties for sale.

Seabreeze, RichmonsSeabreeze, RichmondSeabreeze, Richmond
Seabreeze, Richmond

Seabreeze  Richmond

Details

80 Seabreeze Drive, RICHMOND Marina Bay CA

MLS 40648651

Sparkling executive home with an impressive array of amenities. Top of the line stainless steel appliances, wine refrigerator, custom shutters throughout, hardwood floors, fireplace w/gas starter, towel warmer in master bath, marble floors in baths, mirrored closets, much more. Bring picky buyers.

Listing Agent: JAYNELLE BELL

Listing courtesy of: WATERMARK PROPERTIES .

 

jaynelle bell

Contact Jaynelle, 510.206.7144, jaynelle.bell at gmail dot com for details

 

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Easy to Build House | Tiny House Movement | Home Improvement Blog

 

easy build home

easy build home

If your tool skills are limited to a screwdriver and a bottle opener, you can still build your own house.

Teal Panels makes structures from molded polyethylene panels that fasten together using nothing more than a Phillips head screwdriver. The wall and corner panels can be configured into pod-like playhouses, fishing cabins, guest suites, and backyard offices.

You can build a 10-by-10-foot structure in about 90 minutes, says Teal Panels president Lawrence Drake. Pretty zippy if you’re into the tiny house movement.

Drake originally designed the panels to make lightweight camper shells for pickup trucks, but quickly realized the potential of the modular design.

“Everything has been designed to use the fewest number of parts and the simplest building techniques,” says Drake. “It’s easy, accessible construction.”

Highlights of a Teal Panels structure include:

Interlocking tabs help the 21-inch-wide, 20-lb. panels fit together, and waterproof gaskets between the panels seal out air and moisture.

Panels can be ordered with windows and polyurethane insulation. The panels nest together to reduce shipping bulk, and for compact storage.

Lightweight canvas roofing is available, but home owners may decide to build their own roofs from plywood or metal.

Flooring is not part of the package. You’ll have to provide your own using a wood deck or a concrete slab. You can put a Teals Panel structure right on the ground — it’s rot-proof — but you’d be wise to add a PVC vapor barrier over the ground or under a gravel bed to ward off dampness.

Cabinets, vanities, dinettes, and other accessories are available. Space-saving designs include wooden cabinets that fold up when not in use, and canvas “bag cabinets” that collapse to save space.

You’ll have to provide your own plumbing service and electrical service.

Other custom options include skylights, exhaust vents, and exterior colors.

Right now, Teal Panels is putting the finishing touches on their production facilities, and Drake estimates the panels will be available for purchase in late fall. Expect a basic wall panel to cost $175 to $200.

And when you’re done assembling your own mini-house, you can use your other tool — that bottle opener — to celebrate.

Read more: http://www.houselogic.com/blog/home-improvement/easy-build-house/#ixzz2RJVhuK00

home

Easy to Build House | Tiny House Movement | Home Improvement Blog.

Richmond Marina Bay Executive Home For Sale

Visit www.ebpre.com for more active properties for sale.

Seabreeze, RichmonsSeabreeze, RichmondSeabreeze, Richmond
Seabreeze, Richmond

Seabreeze  Richmond

Details

80 Seabreeze Drive, RICHMOND Marina Bay CA

MLS 40648651

Sparkling executive home with an impressive array of amenities. Top of the line stainless steel appliances, wine refrigerator, custom shutters throughout, hardwood floors, fireplace w/gas starter, towel warmer in master bath, marble floors in baths, mirrored closets, much more. Bring picky buyers.

Listing Agent: JAYNELLE BELL

Listing courtesy of: WATERMARK PROPERTIES .

 

jaynelle bell

Contact Jaynelle, 510.206.7144, jaynelle.bell at gmail dot com for details

 

chris  dyer lenderNeed a home loan ?

watermark properties real estate
View Richmond active listings
watermark properties real estate
View San Pablo active listings
watermark properties real estate
View El Sobrante active listings
watermark properties real estate
View Pinole active listings

watermark properties real estate
Become a Hercules Market Insider
watermark properties real estate
Become A Pinole Market Insider
watermark properties real estate
Become a San Pablo Market Insider
Create your custom MLS Search
watermark properties real estate
Active Income Properties From Fairfield to Hayward.
watermark properties real estate
All Active SF East Bay Listings

watermark properties real estate
Watermark Properties Real Estate © 2007 – 2014. All rights reserved.
www.ebpre.com|info@ebpre.com|
510.296.4876 | 510.206.7144

WEBSITE | FEATURED PROPERTIES | RESIDENTIAL INCOME PROPERTIES | ACTIVE BAY AREA PROPERTIES|
BLOG | DAILY EMAIL UPDATES | CONTACT | SIGN UP | LOGIN |

Information deemed reliable but not guaranteed.

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Hercules California Open House Schedule – Updated daily

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Dozens of Hercules Quality Properties Are Available Now !

 

Looking for a quiet small town close to San Francisco, Oakland with San Pablo Bay access. Consider Hercules.

 

Hercules City Website

Ideally situated on beautiful San Pablo Bay,

midway between San Francisco and Napa, with handsome homes,

safe neighborhoods, and many exciting new projects planned, this diverse

waterfront community is poised to expand its reputation as a great place to live.

 

Becoming A Berkeley Resident ? Check the newest properties on the market.

Berkeley Berkeley is a city with a small population and a big reputation


Market Insider

Super Richmond Hilltop Area One Bedroom Condo For Sale

Visit www.ebpre.com for more active properties for sale.

Stoneglen, RichmonsStoneglen, Richmond
Stoneglen, Richmond
Stoneglen, Richmond

Commodore Richmond

Details

3973 STONEGLEN, RICHMOND CA

MLS 40647000

Sparkling updated 1 bedroom, 1 bath condo with stainless steel appliances, Silestone counters, washer and dryer in unit, spacious closets, separate storage and covered parking. Minutes from Hilltop Mall, I80/580 and BART.

 

jaynelle bell

Contact Jaynelle, 510.206.7144, jaynelle.bell at gmail dot com for details

 

chris  dyer lenderNeed a home loan ?

watermark properties real estate
View Richmond active listings
watermark properties real estate
View San Pablo active listings
watermark properties real estate
View El Sobrante active listings
watermark properties real estate
View Pinole active listings

watermark properties real estate
Become a Hercules Market Insider
watermark properties real estate
Become A Pinole Market Insider
watermark properties real estate
Become a San Pablo Market Insider
Create your custom MLS Search
watermark properties real estate
Active Income Properties From Fairfield to Hayward.
watermark properties real estate
All Active SF East Bay Listings

watermark properties real estate
Watermark Properties Real Estate © 2007 – 2014. All rights reserved.
www.ebpre.com|info@ebpre.com|
510.296.4876 | 510.206.7144

WEBSITE | FEATURED PROPERTIES | RESIDENTIAL INCOME PROPERTIES | ACTIVE BAY AREA PROPERTIES|
BLOG | DAILY EMAIL UPDATES | CONTACT | SIGN UP | LOGIN |

Information deemed reliable but not guaranteed.

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Getting a Mortgage When Lenders say No

New mortgage rules are pretty clear about what you have to do to convince a lender you’re a qualified mortgage borrower. Meant to measure your ability to repay, the new rules created a list of eight things lenders had to check to make sure you could repay your mortgage.

Those protections help ensure we’re not going to see a repeat of the mortgage crisis any time soon. The new rules are also designed to reward banks for staying away from risky products like interest-only loans. But if you can’t meet any of the eight standards you’re going to find it harder to get a new mortgage or refinance your existing mortgage.

The NATIONAL ASSOCIATION OF REALTORS® predicts the changes will slice about 5% to 7% of borrowers out of the market.

Where do you turn if you’re in that 5% to 7% or you like your balloon loan and want to refinance into another balloon loan?

The fine print in the new rules created some exemptions that you can use to try again if you don’t meet one or two of the eight qualified mortgage checks, or if you want to go with a loan product that the rules discourage lenders from making.

1. Your State Housing Finance Authority

State Housing Finance Authorities specialize in helping first-time and low-to-moderate income homebuyers and homeowners. They’ll often give you a below-market interest rate or the option of putting down as little as 3%.

Read more: http://www.houselogic.com/blog/home-loans-mortgages/getting-a-mortgage-when-lender-says-no/#ixzz2tfBXvYBa

Oakland is top city in home value turnaround

Oakland tops the list of turnaround cities

Check out this neat infographic posted by the California Association of Realtors. The Realtor.com list shows the top 10 turnaround towns in the country, based on inventory, median list price, days on the market and search and listing activity.

Leading the way: Oakland, Orange County and the Santa Barbara area.

See the newest listings in Oakland and contact us for details and viewings