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.

How To Remove Musty Odors In Your Home

Musty odors around the home are a common problem among homeowners. If your home is suffering from mold and odors, there are several steps you can take to alleviate the problem yourself.

musty odors

For your appliances that are not in use, like refrigerators, ovens, and chest freezers, spread a paste of water and baking soda on the interior surfaces. Fill the space with crumbled up newspapers and let it all sit for at least 24 hours. Remove the paper and rinse the area with water. Repeat if needed.

The above process can also be used in cupboards and trunks.

For a refrigerator that is being used, place a box of baking soda with the top ripped off in the back of the fridge. This should take care of the musty odor in a few days.

If musty odors are coming from the damp places like the basement or crawl spaces, place several bags of crushed volcanic rocks at different levels within the area. Be sure to check for spots of mold that might be contributing to the musty odor. Use extreme caution if extensive mold is found, as it could be quite toxic. Wear a mask and gloves, avoid breathing the spores, and wash hands thoroughly. Immediately call a professional if such toxic mold is found.

Cloth items such as wash cloths, towels, drapery, and clothes are also susceptible to musty odors. These items can be washed in a washing machine with 1 cup of white vinegar added to a normal load, and left to soak for 30 minutes. Continue the regular wash cycle and add a liquid scented fabric softener during the rinse. Use a scented dryer sheet in the dryer as well. Repeat if needed.

For areas like closed rooms, closets, cabins, and cars, open up all the doors and windows to air them out. Liberally sprinkle a baking soda based carpet deodorizer (being sure to follow the package directions on length of application time and testing for colorfastness). Vacuum and repeat if necessary.

Musty odors found in suitcases can be rid of simply by placing the open suitcase in the sun for a few days.

To completely rid your home of musty odors, the cause of the odor – such as dampness or bacteria – must be dealt with and not just covered up. If mold turns out to be the musty odor culprit, use chlorine dioxide to kill the mold spores. Chlorine dioxide is an irritant, so air out the room before occupying it; if you are deodorizing a closet, keep the door the room closed.

HAFA Short Sale Program – Is Your Agent Certified?

The Caifornia Association of Realtors (“CAR”) Education in conjunction with AssettPlan USA offers a Home Affordable Foreclosure Alternative (HAFA) certification course. The HAFA Certification (CHS) is designed for real estate agents to understand the Treasury Supplemental Directive 09-09 which was implemented on April 5, 2010. Craig has completed the requirements necessary to become a Certified HAFA Specialist.

Working with a Livermore Short Sale Specialist who is also a Certified HAFA Specialist as well as being a Certified Distressed Property Expert, which Craig is, can save you thousands of dollars. If you are considering a short sale, make certain the short sale specialist you hire understands the HAFA guidelines. If you are in financial difficulty, under HAFA guidelines you may qualify to be relieved of any further obligation to your lender and be paid $3,000 for moving expenses.

If you are interested in learning more about HAFA – the new government short sale program, then give Craig a call. He is certified to understand the guidelines of the program.

Certified Distressed Property Expert, HAFA Certification, HAFA guidelines, hafa program, hafa rules, hafa short sale guidelines, hafa short sales, Home Affordable Foreclosure Alternative, Livermore Short Sale Specialist

California Homebuyer’s Downpayment Assistance Program MyHome Assistance Program

The MyHome Assistance Program offers qualified first-time homebuyers with moderate income assistance with their down payment or closing costs.

California Homebuyers Downpayment Assistance Program

The assistance comes in the form of a deferred-payment junior loan of up to 3.5% of the purchase price or the appraised value, whichever is less; the junior loan may be combined with a CalHFA first mortgage loan.

Below are a few of the requirements to qualify for the MyHome Assistance Program.

The Borrower must be a first-time homebuyer purchasing a home intended to be an owner-occupied primary residence. The Borrower is considered to be a first-time homebuyer if they have not owned and occupied a home in the past three (3) years.

The Borrower must be a U.S. citizen, permanent resident alien or other qualified alien.

The property to be purchased must but be a single family one unit residence; manufactured homes may be eligible.

Each Borrower using the MyHome Assistance Program must attend a Homebuyer Education course and receive a homebuyer’s education counseling certificate of completion. Said certificate must be issued through CalHFA’s online provider, eHomeAmerica, or a HUD-approved home-buyer counseling agency.

For the complete list of requirements, visit http://www.calhfa.ca.gov/homebuyer/index.htm

The Difference Between A Livermore Ranch And A Farm

Have you ever found yourself wondering what the difference is between a ranch property and a farm property? How are they similar? How are they different?

livermore ranch

Simply put, a farm is a piece of land that is cultivated to produce food and a ranch is saved for the production of cattle or other animals for grazing purposes.

According to the Canadian Oxford Dictionary 2nd ed. (c) 2004:

FARM
Noun –
1. An area of land, and the buildings on it, used for growing crops, rearing animals, etc. (also attributive: farm machinery, farm workers).
2. A place of establishment for breeding a particular type of animal, growing fruit, etc. (fish farm; mink farm). Verb –
1. A transitive use (land) for growing crops, rearing animals, etc.; intransitive be a farminer; work on a farm. 2. Transitive breed (fish, etc.) commercially.

RANCH
Noun –
1. A cattle-breeding farm esp. in the western US and Canada
2. A farm where other animals are bred (mink ranch; aquaculture ranch)
Verb –
1. Intransitive run or work on a ranch.
2. Transitive breed or rear (animals) on or as on a ranch.
3. Transitive use (land) as a ranch.

Livermore Info – Utilities, Garbage, Police, Demographics, Etc.

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Pleasanton Info – Utilities, Garbage, Police, Demographics, Etc.

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