Need To Find Livermore Land For Sale?

Although mainly specializing in residential real estate in and around the Livermore, CA area, Craig Mullins has great knowledge and experience with Livermore land for sale. He has had his real estate license over a decade and since then has seen many deal go thru and many more deals fail form someone who is not experienced.

A true believer in putting the client first, Craig has found that through listing Livermore land for sale, he often comes away with not only a satisfied client, but also a friend.

“You develop great personal relationships with clients even after the transaction has been finished,” she says. “You make new friends.”

If you’re looking for Livermore land for sale, Craig Mullins is just the real estate agent you’re looking for.

Having owned a farm for quite some time, Craig Mullins has personal experience with Livermore land for sale, and what it takes to run a successful a profitable farm & ranch.

Beyond ranching, Craig’s experience with Livermore land for sale includes listing and selling lots, farms, and ranches.

Whether the real estate market is up or down, Craig truly enjoys the business especially working with people and helping them to make their land buying dreams come true.

Homes for sale in Livermore California

Homes for sale in Livermore, California are plentiful and cover a wide range of sizes and listing prices. Now is the perfect time to buy!

Encompassing 22 square miles, the City of Livermore is the easternmost city in the San Francisco Bay Area and the gateway to the Central Valley. It was incorporated in April 1876 and stands as California’s oldest wine region, surrounded by award-winning wineries, farm land and ranches. Protection by the coastal range creates the mild Livermore climate, which in turn makes for a more relaxed, less congested lifestyle.

As with all real estate transactions, it’s best to work with an experienced Realtor when looking for homes for sale in Livermore, California.

Craig Mullins has well over a decade of residential real estate experience in Livermore, CA and its surrounding cities, and knows the awesome responsibility that comes with buying a home. It’s a huge life change that Craig takes great pride in when helping her clients search and purchase homes for sale in Livermore, California.

In addition to all the wonderful homes for sale in Livermore, California, the city is experiencing a reestablishment of the downtown area as the city’s preeminent shopping, dining, entertainment and cultural district.

The summer is coming and soon the kids will be out of school; now truly is the best time to start looking for homes for sale in Livermore, California. And with Craig Mullins’ expert help, it could quite possibly be your best home-buying experience ever!

Call Craig today and get the ball rolling on your search for homes for sale in Livermore, California.

Livermore Foreclosures and Livermore Homes – Home Improvement Rebate Program

So you’ve just bought one of the Livermore Foreclosures or Livermore homes for sale and now you need to fix it up so it truly is your dream home.

Did you know Livermore, CA has a Home Improvement Rebate Program that reimburses low-income Livermore homeowners up to $5,000 to improve the exterior of their home – which are often times Livermore Foreclosures?

Only improvements made to Livermore Foreclosures & Livermore Homes that can be seen from the street, and improve the overall quality of the neighborhood, are eligible for reimbursement.

Homeowners have to submit an application and be approved for the rebate prior to beginning any work on homes in Livermore, after which Livermore City Staff will determine the scope of the improvements and the project specifications.

So what improvements to Livermore Foreclosures & Livermore Homes can be rebated?

• Applications will be ranked competitively based on urgency and need for repair as determined by the City. Other restrictions may apply
• Curbs, gutters, sidewalks, driveways, and drainage improvements.
• Exterior Painting
• General exterior home repairs and cleaning.
• Improvements and repairs to doors and porches.
• Preventative or seasonal landscape maintenance.
• Removal of blighting conditions on property.
• Repairs or replacement of roofing and fencing.
• Repairs to windows and screens.
• Termite damage repair.

And which Livermore Foreclosures & Livermore home improvements cannot be rebated?

• Additions to existing structure (except for handicap modifications).
• Construction/repair of swimming pools, hot tubs or decks.
• Other restrictions may apply, please call for information.
• Purchase or repair of equipment and tools.
• Purchase or repair of furnishings and decorative items.
• Repair work covered by insurance or warranty policies.

To receive an application and additional information on the Home Improvement Rebate Program, please call the Housing and Human Services Division at (925) 960-4590.

Is A New Housing Bubble On Its Way In Livermore, CA?

Is A New Housing Bubble On Its Way?

You may find this hard to believe, but a housing shortage could very well be on its way.

We all know the recession has had a devastating effect on the housing market; people are losing their homes and renting, and others are simply too scared to buy. As a result the home building business has taken a huge hit as there is no need, or money, to build new homes at the moment.

But what will happen when the economy recovers and all those renters and scared buyers want to start buying? Where will people go? Will they purchase homes already built, or will they want new ones?

Some believe they’ll want new homes, and that could pose a problem.

According to reports, the nation’s homebuilders are simply not building enough homes to keep up with the potential demand. In April, only 672,000 new homes were started, an annualized rate and less than half the long-term run rate needed to meet the nation’s natural population growth.

Among other reasons, the new home shortage is due to the countless number of builders and contracting businesses that went belly up; fewer builders means fewer new homes.

But there are some who believe there are plenty of homes, if not a surplus.

Those who doubt a new housing bubble is approaching cite what they consider to be a large “inventory overhang” – which they feel will provide a cushion to offset the increased housing demand. According to the Census Bureau, as many as 7 million homes are sitting vacant, but are not for sale.

From CNN Money: Is a housing shortage coming? By Les Christie, Staff Writer

…So far, the shortfall has been masked by a weak economy that has put a damper on home buying. Once the job market rebounds, however, people will look to have their own homes again. This pent-up demand could get unleashed on unprepared markets, causing shortages and rising local prices.

…“The housing market hasn’t been this way before,” said Nicolas Retsinas, director of Harvard’s Joint Center for Housing Studies. “The gravity of the problem is deeper and the challenges different. You have to get through that inventory.”

The inventory number, however, can be deceiving for two reasons: People may not want to live in hard-hit areas where the houses are (think: California exurbs and Detroit neighborhoods) or the homes may be beyond repair.

“Many of these vacant homes may not be habitable or are in locations where nobody wants to live,” Gaines said.

…Hard times also persuaded builders to postpone purchases of land they could prep for future development. It will take them that much longer to gear up production once the housing market improves.

Livermore Housing & Homeless Assistance: Grants, Scholarships And Section 8

The City of Livermore knows that even with down-payment assistance programs many families are still unable to purchase a home. That’s why Livermore has come up with a variety of Rental Assistance Programs.

Keep in mind that programs offering direct financial assistance to households for the payment of monthly rental costs are highly competitive in the Bay Area, and that the amount of assistance available is limited.

Per the City of Livermore’s Community Development Department’s => Rental Assistance Program page:

Section 8 Program
In Livermore, the Section 8 program is administered by the Livermore Housing Authority (LHA) located at 3203 Leahy Way, Livermore. The LHA currently receives funding to subsidize rents for approximately 750 households in Livermore. Most of the Section 8 assistance provided by the LHA is in the form of certificates and vouchers. Under the certificate program, the tenant pays 30% of the gross monthly household income for rent, while the balance is subsidized up to a maximum set by the government. Voucher beneficiaries pay a slightly higher rent, but the amount of subsidy can also be increased to cover a higher total rent.

Section 8 Housing Choice Voucher Program
In the early 1970s the Department of Housing and Urban Development (HUD) created the Section 8 Program. The Livermore Housing Authority administers the program within the Livermore City limits by contracting with private landlords to make rental housing available for families with incomes at or below 80% of the Area Median Income. The Livermore Housing Authority makes rental payment to owners, performing annual inspections, and conducts tenant income re-examinations.

Rental Assistance Program (RAP)
ECHO Housing, a Bay Area nonprofit agency, also provides a limited Rental Assistance Program (RAP). The program provides assistance with move-in costs or helps residents with delinquent rent due to a temporary financial setback. ECHO helps by arranging a guaranteed repayment contract between the tenant and the landlord. Financial assistance is subject to the availability of funds.

Public Housing – Leahy Square
Originally built as military housing, Leahy Square was converted to public housing in 1944. Tenants pay 30% of their income towards rent. The Livermore Housing Authority is responsible for the management and maintenance of the property.

Affordable and Transitional Housing
Transitional housing units are for women with children [who] are homeless or have been in a battered situation. Candidates are selected from shelters, and must complete a training program at the shelter. There is a contract for up to years. A transitional tenant must set goals and work towards finding private housing within two years.

Tri-Valley Housing Scholarship Program
The City of Livermore, in collaboration with the City of Pleasanton and Tri-City Homeless Coalition, provides limited temporary rental assistance through the Tri-Valley Housing Scholarship Program to participants in job training programs. This program, which was begun in 1998, provides monthly rent subsidies to households that are homeless or at risk of being homeless. Subsidies are provided while the head of household is undergoing job training and are gradually phased out after employment is secured.

For complete information visit the Rental Assistance Program page.

Livermore Mortgage Assistance Program

The City of Livermore ’s Mortgage Assistance Program is administered through the Housing and Human Services Division, which works to maintain and expand housing opportunities for low and moderate-income households, by providing a second mortgage loan for first time home buyers who want to live in the City of Livermore .

As with most home buying assistance programs, Livermore ’s Mortgage Assistance Program comes with Income Guidelines:

Household Size – 1 Person
Low-Income Limit: $46,350
Moderate-Income Limit: $75,000

Household Size – 2 People
Low-Income Limit: $53,000
Moderate-Income Limit: $85,700

Household Size – 3 People
Low-Income Limit: $59,600
Moderate-Income Limit: $96,450

Household Size – 4 People
Low-Income Limit: $66,250
Moderate-Income Limit: $107,150

Household Size – 5 People
Low-Income Limit: $71,550
Moderate-Income Limit: $115,700

Down Payment Assistance available for Low-Income families: up to $40,000 in the form of a deferred loan.

Down Payment Assistance available for Moderate-Income families: up to $30,000 in the form of an amortized loan.

For brochures, detailed guidelines and an application, visit the Livermore Mortgage Assistance Program page on the City of Livermore ’s website.

To get the answers to any questions you may have that are not answered on the website, please contact the City’s Housing Division at 925-960-4580 or email them at: housing@ci.livermore.ca.us

Below Market Livermore Homes For Sale

It may not seem like it on some days, but now is a great time to buy a home in Livermore , CA .

livermore homes for sale

First-time buyers and low to moderate income families have several choices when looking into Livermore’s Homeownership Opportunities

Per the City of Livermore’s => Community Development Department:

If you are interested in an opportunity to purchase one of these homes or any that may become available, you MUST submit an application. These are on a first-come first-serve basis.

Neighborhood Stabilization Program

The Neighborhood Stabilization Program (NSP) powered by $7 million from the federal Housing and Economic Recovery Act of 2008, provides targeted emergency assistance to state and local governments to acquire and redevelop foreclosed residential properties that might otherwise become sources of abandonment and blight within our communities.

The City of Livermore , along with the City of Berkeley , Fremont , San Leandro and Union City , has been allocated $2,230,495 in NSP funds through the State of California to purchase and completely renovate foreclosed properties in selected areas. The Cities have partnered with Hallmark Community Solutions to facilitate the purchase and renovations. These homes, once renovated will then be sold to income eligible, first-time homebuyers.

Inclusionary Housing Program

The City [of Livermore ] has had and Inclusionary Housing Program (IHP) since 1980 and was codified by ordinance in 2000. The Program is available to low and moderate-income first time homebuyers with preferences given to households who live and work in Livermore, emergency responders, credentialed Livermore School District teachers, city employees and households living in rent-restricted housing.

Having Credit Score Issues? Let me help!

Don’t Let Your Credit Score Drop Unnecessarily

Avoiding foreclosure now could make or break your attempts to get a loan in the near future and determine whether you can get affordable interest rates.

That’s why I’ve made this site available for anyone in our community struggling with mortgage payments. Foreclosure alternatives like short sales and deeds-in-lieu allow homeowners to avoid many of the damaging effects of foreclosure. In addition, short sales may have less of an impact on credit scores than foreclosure.

To get all the information on how these options affect your credit score, fill out the form and click “Send”. If you need immediate assistance, contact me right away.

I’m here to assist you.

The Truth About Mortgage Modifications

The Truth About Mortgage Modifications

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

mortgage loan modification

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call me today.

7 Short Sale Myths

7 Short Sale Myths

There are millions of homeowners just like you who are looking for answers and don’t know what to do. You’re not alone and you’re in the right place.

short sale myths

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Despite my best efforts, there’s still an overwhelming amount of misinformation about the options available, especially short sales.

To give you a better idea of the short sale option, and to set straight some of the myths you may have heard, I’ve prepared a free report just for you – please fill out the information below to receive your free report. This report will clarify the following myths:

  • The Bank Would Rather Foreclose Than Bother With A Short Sale
  • You Must Be Behind On Your Mortgage To Negotiate A Short Sale
  • There Is Not Enough Time To Negotiate A Short Sale Before My Foreclosure
  • Listing My Home As A Short Sale Is An Embarrassment
  • Short Sales Are Impossible And Never Get Approved
  • Banks Are Waiting On A Bailout And Not Accepting Short Sales
  • Buyers Are Not Interested In Short Sale Properties

These ideas are potentially harmful to homeowners seeking real solutions. I hope you’ll review this information for yourself or share it with a homeowner in need.

In these times, we all need to know the truth to know how to get back on track.

If you have any additional concerns about this issue, or your circumstances are urgent, please give me a call.