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FAQs: Can I write offers on more than one house at a time?
Monday, October 27, 2008
Q: Can I write offers on multiple houses without losing my deposit if more than one of those offers is accepted?
Asked by Tony, a home buyer in Natomas
A: Great question, Tony--and one I get asked often.
While you can potentially "get away with it" because of the many contingencies you're afforded within the purchase contract, writing offers on multiple properties at the same time would probably be considered acting in bad faith because you don't actually intend to purchase all the properties you're writing offers on. Chances are you're writing multiple offers with the hope that at least one of them will go somewhere--which is definitely a reality in the current market, especially in competitive price ranges.
When my clients ask this question, my response is simple: let's write and submit one offer at a time and, as each offer expires, we can move on to the next offer. If your agent is using a CAR purchase agreement, the default expiration of your offer is probably 5pm on the third day after you submitted your offer. Banks may (and often do) drag their feet and take longer than three days to respond, so technically your offer may expire even while it's being considered by the bank. If you choose to accept a response after your offer is expired, that's great--but nothing precludes you from writing another offer in the meantime if your original offer's expiration date has come and gone. Further, you can adjust the day and time that your offer expires by writing in something else if three days is longer than you want to wait.
Labels: Anatolia, Arden, Auburn, Carmichael, Central, Citrus Heights, Curtis Park, David Taylor, Del Paso Heights, Downtown, East Sac, El Dorado Hills, Elk Grove, Elmhurst, Fair Oaks, FAQs, Galt, Gold River, Granite Bay, Greenhaven, Laguna, Land Park, Lincoln, Lodi, Meadowview, Midtown, Modesto, Natomas Park, North Highlands, North Natomas, North Sac, Oak Park, Old Sac, Orangevale, Pocket, Rancho Cordova, Regency Park, Rio Linda, River Park, Rocklin, Rosemont, Roseville, Sacramento, South Land Park, South Natomas, South Sac, Southport, Stockton, Tahoe Park, UCD Med Center, West Sac, Woodlake, Woodland
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posted by Rob McQuade @ 7:59 PM,
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Sacramento unveils 311 for expanded info by phone (and email)
Wednesday, August 13, 2008
Not sure where to go for specific services with the City of Sacramento? What used to be known as Sacramento City Operator is now Sacramento City 311 which means you can dial 311 from a land line or most cell phones within the limits of the city of Sacramento 24 hours a day, seven days a week—even on holidays— to get assistance from a live person (you can even email 311@cityofsacramento.org or use 311 online).
Get answers to questions, request City services, and get help on any municipal issue (besides police and fire) including: Code Enforcement (abandoned cars, graffiti, substandard housing, etc.); Animal Care (injured, stray, aggressive animals, etc.); Development Services Help Line (all calls for DSD are first routed to 311 for triage); Street Maintenance (potholes, cracked sidewalks, lighting problems, etc.); Facility Maintenance (work order requests related to repair/maintenance of City buildings); Citywide Directory Assistance and information about all things related to City services; Request a City crew for drains, water, solid waste, along with general inquiries; Making utility payments by credit card
Sac City 311 is a centralized call center for the City of Sacramento that is intended to make life a little easier for its residents, businesses and visitors. Sac City 311 call center works to answer questions as quickly as possible with minimal transfers.
Frequently Asked Questions
What is 311?
Sac City 311 is an easy to remember phone number that residents, businesses and visitors can use to request service, report problems or get information from local government. Sac City 311 is your resource for connecting with the City of Sacramento. Sac City 311 handles requests for building permits, stray animals, utilities services, and much more—Sac City 311 is ready to help! The 311 customer service agents undergo extensive training to ensure each caller gets a courteous, quick and accurate response. 311 provides a single point of contact for City of Sacramento government services.
Why was 311 created?
The Sac City 311 service is part of an ongoing effort by the City of Sacramento to make access to City government easier and more responsive to the needs of residents, businesses and visitors. Now there is no need to search the phone directory for the right City department—let Sac City 311 take care of that for you.
How does 311 work?
A courteous Sac City 311 customer service agent will assist you in finding the appropriate government service you need. If you need information, agents will either provide it directly or connect you to the appropriate department for your answer. If you need a service, agents can automatically route a work request to the proper department for a City crew to respond.
Who can call 311?
Anyone within the Sacramento City limits can call 311 free of charge from a land-line telephone or cable line. 311 works on most cell phones as well. Cell coverage is determined by individual service providers.
What if I need to call 311 from outside city limits?
Callers outside the City limits can reach Sac City 311 by calling (916) 264-5011.
When do I use 311, and when do I use 911?
The 911 service is for emergencies, such as house fires and crimes in progress, that require an immediate response by police, fire crews or an ambulance. For all other City services, call 311.
Will a 311 agent be able to respond in multiple languages?
Yes, through the use of a third-party translation service, Sac City 311 agents can respond in over 150+ languages and dialects.
Will a 311 agent be able to respond to calls from hearing impaired individuals?
Yes, TDD/TTY callers can dial 311 and then press 3, or dial (916) 808-8563.
Labels: Central, Curtis Park, Del Paso Heights, Downtown, Elmhurst, Greenhaven, Land Park, Meadowview, Midtown, Natomas Park, North Natomas, North Sac, Oak Park, Old Sac, Pocket, Regency Park, River Park, Sacramento, South Land Park, South Natomas, South Sac, Tahoe Park, UCD Med Center, Woodlake
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posted by Rob McQuade @ 11:50 AM,
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CalPERS home loans trump minimum wage for State employees
Thursday, August 7, 2008
Working for the State of California may not seem all that appealing when the annual tradition of stalled budget negotiations means minimum wage for state employees (except those who are exempt from the governor's recent executive order), but there are some benefits to civil servants that just might make it worthwhile, like the CalPERS Member Home Loan Program (MHLP).
CalPERS (the California Public Employees Retirement System) draws its membership from employees of the State of California as well as public sector employees in may city and county government agencies, including employees of the City of Sacramento, Sacramento County, Placer County, and many other counties and local municipalities. If you have a CalPERS member number, you should be eligible for the Member Home Loan Program—and membership has its privileges, including:
60-Day and 90-Day Rate Protection
At the time of your loan application, you can lock in your interest rate for 60 or 90 days and get protection against market fluctuations. Other loan programs that offer shorter lock periods can leave you with a higher rate at close of escrow—resulting in higher monthly mortgage payments.
Two FREE CalPERS Float Down Opportunities
With the 60-day and 90-day interest rate locks, you’ll receive the lowest CalPERS interest rate on three key dates—date of loan lock-in, date of loan approval, and date the loan documents are drawn.
30-Day Rate Lock
You can choose to lock your interest rate for 30 days instead 60 days. Although the float down feature is not available with this option, you’ll get the benefit of a competitive 30-day rate.
Low-to-No Down Payment Programs—CalPERS Special Loan Programs
CalPERS offers several financing options that have either low or no down payment requirements. The MyCommunityMortgage™ and Flexible 100™ require little to no down payment.
Interest Only Feature
If you are just starting off, would like greater purchasing power, or like the idea of lower initial monthly payments, CalPERS' Interest Only Feature could be right for you. With initial interest-only periods of 7- to 10-years, these fixed rate and adjustable rate mortgage loans are available for home purchases or refinancing.
100 Percent Financing Options
CalPERS offers options to purchase a home with no out-of-pocket costs for the down payment. CalPERS' 100 financing options could let you secure up to $500,000 for a down payment. CalPERS even offers down payment assistance on jumbo loans.
Savings From Our Partners
To provide you with more comprehensive service during your home buying process, a number of affiliate relationships have been established. Check out additional savings on services related to purchasing or refinancing a home here.
No Prepayment Penalties
Any CalPERS Mortgage Loan gives you the option to make early principal payments with no penalty. This feature of the program not only gives you the ability to build equity in your home but, because these payments are immediately applied to your loan's principal balance, it also saves you money.
For more information or to take advantage of the CalPERS Member Home Loan Program (MHLP), call (916) 444-7577 and we'll connect you with an independent mortgage professional who can serve your needs.
Labels: Antelope, Arden, Central, Citrus Heights, Curtis Park, Downtown, East Sac, Elk Grove, Elmhurst, Greenhaven, Laguna, Land Park, Midtown, Natomas Park, North Natomas, North Sac, Old Sac, Rancho Cordova, Regency Park, River District, Roseville, Sacramento, Southport, West Sac
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posted by Rob McQuade @ 11:43 AM,
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New! Search homes and condos quickly by ZIP Code
Saturday, May 31, 2008
Now you can quickly and easily search by ZIP Code with just a click! It's easier than ever to pull up homes and condos in your preferred ZIP Code by simply clicking the » By ZIP Code NEW! link under Quick Property Searches from the menu at the left. You can scroll through the list of available ZIP Codes in Sacramento, Placer, Yolo, and El Dorado Counties to bring up a convenient list of the first 200 homes and condos for each ZIP. And, as always, you can get news listings matching ALL your search criteria sent to your email inbox daily by clicking on the link under Resources for Buyers.
Labels: Anatolia, Antelope, Arden, Auburn, Carmichael, Citrus Heights, Curtis Park, Davis, Del Paso Heights, Downtown, East Sac, El Dorado Hills, Elk Grove, Elmhurst, Fair Oaks, Galt, Gold River, Granite Bay, Greenhaven, Laguna, Land Park, Lincoln, Meadowview, Midtown, Natomas Park, North Highlands, North Natomas, North Sac, Oak Park, Old Sac, Orangevale, Pocket, Regency Park, Rio Linda, River Park, Rocklin, Rosemont, Roseville, Sacramento, South Land Park, South Natomas, South Sac, Southport, Tahoe Park, UCD Med Center, West Sac, Woodlake, Woodland
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posted by Rob McQuade @ 10:42 PM,
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More accurate UCD Med Center & Elmhurst searches
Thursday, April 24, 2008
The UCD Med Center and Elmhurst neighborhoods offer the same beauty as neighborhoods like Land Park and East Sac , but are often forgotten about when househunting in older neighborhoods—partly because the ZIP Code 95817 is often dismissed as "just Oak Park". And Elmhurst, tucked behind medical center, even shares a bit of 95819 with East Sac (north of T Street, which is the beautiful boulevard that makes Elmhurst such a wonderful area to live in). Searching 95817 or 95819 and finding homes in the Med Center and Elmhurst can be tricky.
Good news! I've just updated the website so that you get only the most accurate Elmhurst and UCD Med Center home and condo results—you can't find more accurate one-click search results anywhere else than right here. To get the most accurate Midtown real estate search results, simply click on the "homes" or "condos" link on every page of ForSaleintheMedCenter.com
Labels: Central, Curtis Park, Downtown, East Sac, Elmhurst, Land Park, Midtown, Oak Park, Sacramento, Tahoe Park, UCD Med Center
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posted by Rob McQuade @ 10:57 AM,
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