VA Mortgage Loans in Bethel Island CA and 100% VA Loans -the best loan program in the country! VA Mortgage Loans are one of the best mortgage loan programs available today for both honorably discharged Vets and active duty military personnel. Here are some of the great features of this fantastic program: - Up to 100% financing, with no down required. - No monthly mortgage insurance added to your payment. - More lenient credit qualifying standards than other types of mortgage loans. - Low rates compared to other loan programs. So how do you qualify for a VA Mortgage Loan in Bethel Island CA? The first step is to verify your eligibility. Eligibility is verified by ordering your Certificate of Eligibility or COE. You can work with an approved Windsor  CA VA mortgage loan lender to order y... 04/10/2015

Self Help under the FHA 203k loan guarantee program Yes, there is a provision for "self help" under the FHA 203k program but they aren't carte blanc. Some lenders allow self help ONLY if the borrower is a licensed contractor in the state where the project is located. Many lenders DO NOT ALLOW SELF HELP at all, under any circumstances. To make a long story short, it isn't advisable to use the self help provision of the program as most lenders that might allow you to do self help will make the accounting so difficult that it just doesn't make sense. Too much paperwork and accounting.  In any case if you should find one that allows you to do self help you cannot be paid for your labor, this is not a cash out program. You can be reimbursed for your materials cost but NO LABOR will be paid o... 07/28/2014

Feasibility analysis are quite often misunderstood, if you want to know more about what that is and its uses click here Feasibility Analysis. Today we are going to talk about a couple of examples where the feasibility analysis saved the day for a couple of our clients. Example 1 - Two elderly ladies just lost their sister and inherited a nice home in Walnut Creek CA. Nice location, but this home had no updating in more than fifty years. What is it worth?  You are the Realtor and you can pull a CMA to determine the value compared to other homes in the neighborhood. But how about taking into account the sub standard condition of the home? One thing we all have happen is the seller sometimes has an unrealistic idea of the value of their property. To determine that we need to know what will... 05/17/2014

The Bad News - Well most of you may have already heard that the FHA maximum loan amounts are going in the toilet. Down in many areas by more than $100,000. The high limit of $729,750 is about to become more in line with FannieMae at $625,500.  This will take a whole bunch of clients out of the market in the higher cost area. Not to worry however. If you have a purchase of $888,000 and the needed construction comes to $150,000 for a total acquisition cost of $1,038,000. Your options are to pay all cash... most can't but even if they can it may be to their advantage to finance the $625,500 and keep some of that cash fluid. Anyone with money knows the value of having that cash where they can make it work for them. The Good News - There is still allot of business out there. Remember you can... 12/11/2013

Deep Water Dock Homes! Deep Water Dock Homes are some of the Most Popular Homes in Discovery Bay.  However, the secret is if you want a Deep Water Dock Home there are more affordable opportunities in nearby Bethel Island.   Bethel Island is more rural and the lots tend to be larger.  Boaters have told me it is also easier to get out to all the marinas and things to do in the Delta.  There are certainly not as many Deep Water Dock Homes in Bethel Island but the prices are lower and the slower pace and country living have a nice appeal to people. Bethel Island is not far from Oakley and the major Travel routes through East Contra Costa County, at the same time the country feel, local golf, fishing, boating, and swimming will have you feeling like you are on permanent vacation.  East Contr... 01/04/2011