Everyone wants to have fun today and play a trice on someone. We have been doing tricks on people since when we were young children. It was the right of passage all of us took. The child who could be fooled the most was probably the bunt of more trick throughout the day.
Holes deep in the ground, Cracks in the sky…details at 11
Happy April Fool’s Day ~ Today
The origin of April Fool’s Day is uncertain. It’s thought the turning of the seasons helps some to honor this celebration while others believe it has to do with our calendar. You see ancient cultures including the Romans and Hindus believed the beginning of the year was at the vernal equinox or somewhere around March 20-21st. In medieval times the date was March 25th.
Whatever the reasons there are several versions. You can read some of them by clicking here and Read more…
What to do next?
If you are looking to sell a home or purchase a new home here’s an easy 3-step process to help you.
1. Pull out your cell phone
2. Look-up my number (650-346-7366)
3. Call me immediately. We can decide what is the best way for you to accomplish whatever you are trying to do. Together we can decide on the proper plan of action.
Excellent know how on saving money when buying a home today in Redwood City. Have you been looking for your first home for over 6 months? This post will help you have an excellent chance of buying a Redwood City home.
Is there a good reason you have not purchased your home yet? Is it the quality of the inventory you are seeing out there? Maybe you haven’t seen your perfect home yet?
Interest rates are still low.
time to buy
Interest rates are still low! The selection of affordable homes is still available compared to tomorrows home selection. Sellers are giving concessions to buyers on their offers compared to previous years. This condition is not going to continue!
Looking over 6 months?
After six months of looking to buy a home every week-end, and you still have not purchased a home? My advice to you is… You should fire your real estate agent. Then fire your lender. And finally, fire yourself from the home buying process. Why should you do this? Well, because you really don’t want to be a homeowner you’re a tire kicker. You may have heard it as a “Lookie Lou”.
Any agent can be a great agent in a “A” market where there are many homes for sale and many buyers to buy them. That’s not what today’s market is all about. It’s a “C” market but you need an “A” agent! Someone who can consul you as to what your offer should be and why. An agent who know the market inside and out and who the Realtors are that are doing the business of listing and selling a home.
What To Do Before You Selling A Home
Where do I find an “A” agent?
This is an easy answer, they’re everywhere. I think at one time there was one agent for every 136 people based on 2015 figures. It seems that number may be even greater today but I can’t prove it. If it is true and you go to Pac Bell Park to watch a SF Giant’s game with an attendance of 63,000 then there could be 463 real estate agents in the crowd with you. We are everywhere and would love to speak with you. However, the best way to find a great real estate agent is to ask someone you trust who has recently had a great experience with an agent. The third party validation of a Realtor is usually the best method to achieve great results.
When a good time to buy a home?
The perfect storm for home buying is now. It is not going to continue for long as now is always fleeting. So either stop kidding yourself that you want to buy a home or buy your new home. It’s that simple. This is not rocket science, buying a home is a process. A home buyer needs to take step forward in order to make sure their dream of home-ownership becomes realty. That take an “A” agent to guide and stand by the home buyer from start to finish.
Currently there is a shift in the market towards a very strong “seller’s market”. This is because of various factors with the main one being lack of inventory of homes to sell. Interest rate, though historically low, are creeping back up in factors of .25% or so on a continuous basis.
Home Sellers are starting to price their homes higher where there is an indication of multiple buyers who want the same homes. What this means is quality type homes are becoming scarcer and knowledgeable home buyersare quick to react. The time for a wait and see attitude is a thing of the past. The competition is fierce.
If you are looking for your new home in Redwood City I have a couple of homes coming to the market within the next month or so. I would love to see you own one of them.
Am I in my own way?
You definitely are if you have been looking to buy a home and gone to many open houses during your Sundays. Stop “looking” for a home, you are wasting your time and energy. Wouldn’t you rather be cooking in your new kitchen and stop spending Sunday out on the streets.? The hounding of real estate agents nightly calls and endless emails and texts will stop too.
Now is the time for action. Playing the wait and see game is not in your best interest. It will cost you nothing but TIME and MONEY. Stop that grip on your life today.
What should I do next?
Call Cliff today on his cell: 650-346-7366
Call Cliff Keith at 650-346-7366, now for your private consultation on how to become a home buyer. I have been helping home-buyers since 1976. Use that 41+ years of experience to your advantage. Stop paying rent. Stop waking up late at night because your neighbor’s child is having a bad night and can’t sleep. Paint that front door Red like you want to but your landlord says NO NO NO. Start enjoying the tax advantages only a homeowner gets to benefit from in America. Call today.
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USA
Thoughts to share with you my friend Alicia Zhao sent to me today. What she sent me was an important list of what “not to do” during the process of applying for a home loan. Not following these rules could jeopardize your transaction. Here’s the article sent to me by my friend Alicia Zhao. Knowing Alicia for over 10 years. I trust her to get the job done for you. Her article was enjoyable so I had to copy it and pass it along to all of you.
What Alicia Zhao has to say
Last week one of my clients almost ruined his new home purchase at the last minute. After signing his final loan papers, he wrote himself a couple of checks totally over $40K from credit cards. Not knowing what he was doing he then deposited them into his bank account at the same time he was purchasing a cashier’s check for his closing costs. He thought it was a “done deal” and the loan was automatic ally his. My client didn’t realize that the lender would check the source his closing funds at the last minute before funding the loan. Be warned they do!
Several years ago another client was buying a new home. After signing his final loan papers, he quit his job. As a result, he lost the house. He thought it was a “done deal” after he signed closing papers in escrow. He didn’t realize that the lender would call his company two days later to make sure he was still employed before they funded his loan. YES, they do that too!
16 NO-NO’S thoughts to share
Dos and Don’ts
I have listed below 16 definite NO-NOs, each I’ve encountered during my 16 years in the mortgage loan business.
Not all of these are necessarily fatal flaws, as there are often work-around that can correct the problem. At best, they’re speed bumps that will delay your escrow closing and cause extra work for you. And it’s not an all-inclusive list, as there’re daily discovery of new deal-killers.
1. DON’T borrow money from credit cards. It will be considered as liability and add to your debt ratio. This extra liability could lower your credit score to a point to disqualify you for your loan.
2. DON’T quit your job! Even after you sign your final papers. If the lender used your income to qualify you for the loan, you must maintain your employment at the time the loan is funded. They’ll call your employer just before funding to make sure you still have a job!
3. DON’T switch jobs! Even if the new job pays the same or more than your previous job. If you do it adds complexity to your closing, meaning more paperwork aka loss of time and money. Many lenders guidelines state they’ll not fund a loan until they can verify you’ve been on the new job for 30 days. Breaking this guideline will delay your escrow from closing on time. And possibly causing you to lose your preferential rate.
Keep your job and salary intact
4. DON’T change your pay structure! If, for example, you cut back your hours, or take a lower base salary. Even if it’s in exchange for the opportunity to make higher commissions or bonuses. The lender will only consider your new lower on your current base salary. A specific point to remember is if you switch from employee to independent contractor (even if you do the same work at higher pay), you no longer have ANY salary. As far as the lender is concerned salary is no long a qualification asset. Contractors are considered as self-employed and are required to have two year tax return income.
How about “BIG” ticket items?
5. DON’T go shopping for a new car! Car dealers like to run your credit report, which could cause your credit score to drop. Even though the lender will already have your credit report in their file, they’ll usually refresh the report just before funding. Credit scores that drop below their threshold, then you won’t get the loan. Buying a car, the lender will re-underwrite your file to see if you still qualify with the new debt. Even if you buy a car with cash, they’ll want to make sure you still have enough cash to close your loan transaction. Again, a loss of time and money.
6. DON’T shop for or buy new appliances, furniture or other high-ticket items such as a new engagement ring before you close your transaction.
7. DON’T forget to pay your bills on time! Recent late payments can have a BIG impact on your credit score. They may even turn your loan down if the credit score goes too low..
8. DON’T assume your auto pay takes care of paying your bills automatically. Double check your bank account to make sure the bills are paid. A recent late on your mortgage payment could kill your ability to buy or refinance a home. And it does happen!
Don’t drive your loan officer crazy!
Don’t do this to your loan officer
9. DON’T move money around in your accounts! The simple act of transferring money from a checking to a savings account, or from brokerage to checking, will trigger the necessity to explain the transfers and provide a paper trail.
10. DON’T make large non-payroll deposits into your account! Because of new money-laundering laws, lenders will require a full explanation and paper-trail for any “large” deposits. What’s “large”? It’s up to the lender, but many consider anything more than 25% of your monthly income large enough to require explanation.
11. DON’T mail your tax return! If you’re buying or refinancing near the tax filing deadline (such as now), you should e-file your returns. The lender must obtain tax transcripts from the IRS before funding, and snail-mailing the return can add several weeks to the process.
12. DON’T start another mortgage transaction! An inquiry will appear on your credit report and you will be asked to explain it. If you are applying for a home equity line, or buying a rental property, the lender will demand all the details of the new property. This includes the principal, interest, taxes, insurance, market rents, etc. to determine if you still qualify. They may even insist you close the other transaction before they’ll fund your loan. If you’re making multiple applications on the same property, they’ll stop processing your loan until you cancel the other application. Find a lender you like and stick with them to the end. Don’t play the “smart investor” game and shop your loan until it is funded. No one like to be played…period.
Should I sign any contracts?
13. DON’T list your home for sale if you’re trying to refinance!
14. DON’T extend your credit cards by more than 10% of your limits. Traditionally, if your credit scores are border line problems for underwriting guideline occur. This will hurt your credit score, which could disqualify you or slightly increase your mortgage rate.
15. DON’T start a big remodeling project! When refinancing, lenders won’t give you a loan until your project is finished. Because they’re afraid of mechanics liens. At least wait until the appraiser sees your home before swinging any sledgehammers!
16. DON’T leave town during your transaction, whether for vacation or for business, without informing your loan officer. This is a time for you to be there and available to make decisions and provide instant information when required.
P.S. Who’s the next person you know who would like to have a smooth purchase or refinance transaction. Be sure to give me a call to discuss how I can help them.
Call Cliff 650-346-7366
Who are you going to call?
Alicia Zhao
Your Mortgage Consultant for Life 650-544-3789
NMLS 305774, DRE#01351874
Hidden Secrets and Home Sales are not maximized with luck.
Top Secret
Hidden Secrets for your homes to sale quickly and successfully closing of escrow. Preparing your home to sell today is different from it was just a few years ago. In the past when baby-boomers were the main home buyer it was as easy as putting a sign in the yard and then sitting back and waiting for offers to come in. Baby-boomer home buyers were looking for a home they could make money off of their sweat equity. Today’s home buyer wants to buy a home that s/he can move right in and not have to do any work what-so-ever.
As it has always been when a person buys a home it is a big emotional decision. People spend years of their life planning and visualizing their dream home. When the time comes to view a prospective home every home buyer wants their home to be perfect! Home sellers understand this and In order to make their house stand out from the crowd, they do whatever they can to please a future home buyer
What do home buyers Hidden Secrets in a home?
Hidden Secret #1. The first time a home buyers see their new home is from the outside. This is why the term “curb appeal” is at the front of any market strategy. When prospective buyers drive up to your home, what does it say to them? It needs to say wow! It must be inviting and speak to the home buyer saying I could live here. Making your yard stand out by pruning the trees, pulling out the weeds and keeping the lawn cut and trimmed is an important consideration a home seller needs to remember. Home sellers can also add colorful plants giving the home a fresh look. Make sure the exterior is in tiptop shape as you only have one chance to make a first impression. Paint, as needed – especially the front door. Chipping paint tells a prospective home buyer the home may not have been cared for over the years and there is extra damage under the surface.
What about inside the home?
Hidden Secret #2. Inside the house make sure to fix any broken window panes, doors and leaky faucets. You should also check and make sure that all the electrical appliances such as the doorbell, fans, lights etc are functioning properly. You must keep in mind that buyers will look at every nooks and crannies of the house, so you should must be diligent with all the finer details. Nothing will turn off a potential buyer more than the feeling that the house has hidden problem or worse yet work for them to do once they move in.
Painting does wonders
Finally, look at the inside of your home through the buyer’s eyes. What will they see? Should you repaint the walls? Should you replace the carpeting? Will the buyer feel at home? Are there smells that can be corrected. Something like cleaning the kitty-box daily.
To know more of what will be accustomed to the buyer’s need all you have to do is to think like one. Try to make a list of all the things you would want in a home if you were to buy one. This will give you a good idea of what you need to do in order to make your home the buyers perfect choice.
By addressing the hidden secrets listed prior to placing your home on the market for sale. You’ll increase your chances of selling your home quickly, for more money, and with the fewest possible obstacles.
What to do next?
There is a simple 3-Step Process for completing the task of selling your homequickly, for the most money, and without complications. The simple 3-step process is as follows:
Call Cliff 650-346-7366
1.) Take out your cell phone
2.) Look up my number (Hint 650-346-7366)
3.) Call me immediately
When you call I will answer any question you may have about the selling and marketing of your home. I will not push you to do anything. I am here as a resource and will not charge you any money nor are you obligated in any way. Of course, I will use this opportunity to demonstrate to you how you’ll want me and my team in your cornerwhen it does come time for you to decide on the Realtor you want to go to work for you.
Cliff Keith and Team has been helping home sellers since 1976 and we have endorsements and letters of recommendations from many of our past happy clients. You’re welcome to ask for copies of them or you can find it on this site under the About Tab under Testimonials.
Home buying & selling secrets
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Sell your home on TV with Cliff Keith of Today Sotheby’s who is the exclusive Realtor in your area. Cliff accomplishes this with the Comcast Spotlight Real Estate program onXfinity. Because Cliff has been given by Xfinity The Bay Area Top Rated Real Estate Agent Award.
Along with Real Estate Comcast Spotlight your home will be promoted on other well know channels and shows like:
HGTV’s House Hunters
Million Dollar Listing
Property Brothersto name a few.
You may be wondering how your home can be broadcast on so many different cable channels. It is achieved by using a new innovating process known as telescoping technology.
Telescoping technology allows home buyers from across the US and around the World to see your home, 24 hours a day – 7 days a week. This helps keep out “tire-kickers” or the “nosey neighbors” from traipsing through your home. Now you can sell your home on TV. It’s FREE!
To see a quick one minute demonstration video on how your home can be seen on TV for FREE click the following link. Read more…
When you watch the video you will see how today people are changing the way they buy and sell homes. They are now shopping for their home on their television. As a result, you can give your home the marketing advantagenot all Realtors can offer. Cliff Keith at Today | Sotheby’s Realty offers telescope technology to his home sellers..
So rather give yourself the added advantage over the competition. When you do, your home will broadcast on over 10 different cable channels. In addition, this includes 100’s of television commercials 24/7! Most of all, each commercial will introduce future home buyers to your home even while you’re asleep.
What to do next?
Call Cliff 650-346-7366
Pick up your cell phone and call/text or email Today. 650-346-7366. When you do we will discuss how we can help you with your particular real estate needs. Finally, put my 41+ year of experience to work for you with telescoping technology. Only a few selected Realtors have access to this technology. You will need it too in today’s rapid changing real estate market. As always, there is not costs or obligations.
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Bidding Wars for homes in Silicon Valley are still with us. Here’s how to ensure that your offer will be the winning one on your new home. On this blog post you will learn the 15-smart tactics. These tactics will guide you towards success and acceptance of your offer.
Writing an offer doesn’t mean you will own a home.
Too many offers written by other home buyers is not the problem. Having the correct information on what to do is what’s important. Having information of the local real estate market is the key. A great real estate agent is also helpful.
In today’s Silicon Valley’s hot real estate market many home buyers are losing out with the offers they submit. They lose out on buying their new home because of not knowing what is the correct offer to submit.
What to do?
Here’s a video of what I believe are the most important 15-Smart Tactics to use when you submit an offer. Because they will increase your chances of winning those “Bidding Wars”. If you follow these 15-Smart Tacticswhen you submit and offer. You’re chances of success is increased ten-fold. Use them and get that leg up on your competition. Read more here…
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Made in USA
