Explore flexible options for your commercial ventures, from SBA loans to traditional financing. We offer tailored solutions to help you achieve your business goals.
CHOICERENOVATION®
Transform your property with ease using our CHOICERenovation® loan. Perfect for upgrading or remodeling your home with competitive rates and manageable terms.
DSCR / NO INCOME INVESTMENT LOANS
Maximize your investment opportunities with our DSCR (Debt Service Coverage Ratio) and No Income Investment Loans. Ideal for real estate investors looking to expand their portfolios without traditional income verification.
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Find the perfect financing for mobile homes, including those situated in parks. Our loans offer great flexibility to suit your unique housing needs.
ITIN (HABLO ESPANOL!)
Our ITIN loans cater to individuals without a Social Security Number. ¡Hablamos español y estamos aquí para ayudar! Let us guide you through the financing process with ease.
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Self-employed and need a loan? Our Bank Statement Income loans make it easier to qualify based on your actual earnings rather than traditional documentation.
REFI NOW!
Thinking about refinancing? Don’t miss our special Refi Now Promotion! Contact us for exclusive details and start saving today.
A classic, stunning bungalow features 2 beds and 1 bath with an attached garage. As you enter, the home welcomes you with a warm, airy ambiance accentuated by natural lighting. The living room, a cozy retreat, features large windows- perfect for relaxed evenings. The heart of this home, the kitchen, is a culinary delight boasting sleek white cabinetry, Quartz counters, a practical breakfast bar with bar-top seating, tiled backsplash, stainless appliances and an open layout that seamlessly connects to the main living area. A spacious backyard to let your imagination run wild- al fresco dining, urban gardening or entertaining awaits! Enjoy the tranquility of nearby Joaquin Miller Park, offering ample greenspace for outdoor activities and relaxation. For those who travel frequently, Oakland Airport is a mere 10-minute drive, adding an extra layer of accessibility to this already wellconnected location.
Charming Home with Modern Upgrades
1292 61ST AVENUE, OAKLAND, CA 94621
2 BED / 1 BATH / 920 SQFT. / $389,000
Welcome home to this charming space! Open living & dining areas flow into a well-appointed kitchen with ample storage and granite counters. Remodeled bathroom features a full-sized shower. Gleaming hardwood floors throughout create a warm ambiance. Newer windows, paint, and fixtures enhance the sunfilled atmosphere. Converted garage and basement offer additional income or family space. Generous living area boasts natural light and cozy fireplace. Multi-generational home potential. Easy access to transit, schools, dining, and highways. Eligible for Community Lending Program Discounts!
PATRICK McCARRAN
$658,000
WELCOME TO THIS RECENTLY UPDATED SINGLESTORY boasting a fresh and vibrant tone throughout its 1650 sq. ft. The freshly painted interior creates a bright and welcoming atmosphere, emphasizing the spaciousness of the 3 bedrooms, 2 baths, and living areas. Newly installed laminate flooring throughout gives the home a bright and airy feel. The kitchen, featuring crisp freshly painted cabinets, new dishwasher, cooktop & hood. Nestled in a desirable location, this one-story gem is a testament to modern living. Embrace the comfort and convenience of this home. Courtesy of Carole Thoresen
BEST AGENT I COULD HAVE ASKED FOR!
Jody was amazing as an agent not only that but she is just a great person. She was incredibly helpful and patient throughout the whole process. It was my first time buying a house and there was a lot I didn’t know. She explained everything in great detail and made sure I was comfortable with every decision and offer. I never once felt pressured or rushed. I honestly can’t thank Jody enough for everything she did to help make this happen. If you want the best realtor, trust me Jody is the one. Jeremy C Verified By Rate My Agent
THANK YOU JODY!
Jody was very knowledgeable, it was apparent immediately that she had a wealth of experience. I would highly recommend her to anyone looking to buy a home. We couldn’t have had a better agent to walk us through the home buying process!
Scott R Verified
By
Rate My Agent
ABSOLUTELY AMAZING
Jody and her team are absolutely amazing. I didn’t think I could do this but they worked hard and made it happen. I highly recommend her for all your needs.
Sharron Verified By Rate My Agent
Assumable 3% Fixed Rate FHA Loan. This property also qualifies for USDA Rural Development 100% Financing for Moderate-Income. Interested in more info? Text or emails "USDA" or "Assumable Loan" to 925-325-2170 or Virginia@BuySellRent925.com This is your opportunity to own & live in The Lakes of Discovery Bay!
This desirable single-story offers 3 bedroom plus office, 2 baths and is just over 1800 sq ft. The spacious office is located away from bedrooms making it ideal for work-from-home, studying or guest bedroom. The Lakes is a gated community with several man-made lakes, parks and recreational trails. Listed at $675,000
2
and 2 car garage
in a desirable neighborhood, close to shopping, dining, schools and public transportation. The A/C and heating unit is only 1 year old. Fresh interior paint. New LVP flooring. Call us for details.
ogorchock@comcast.net
Augustus Asuncion DRE#01713767 925-433-1880
DRE#01733171 925-565-7633
DRE#002134011 925-849-0446
OAKLEY: 4 bedroom, 2 bath single story located in Oakley. Approximate 1713 sq ft. Large cemented side yard with drive through garage for backyard access. Convenient location, easy access to the delta.
ANTIOCH: Located in a great court. 3 bedroom, 2½ bath, 2278 sq ft.
Newly remodeled: New white quartz counters, sinks & faucets in kitchen & bar. New interior paint. New flooring, both laminate and carpet. New irrigation and courtyard landscaping. New water heater. Large primary suite with big walk-in closet, dual sinks & dual headed shower. Listed for only $689,000
I would highly recommend the Real Estate Guide for any local real estate professional! It has been great exposure for my business. Even in the digital age, magazine advertizing has not gone out of style. A magazine left in an office will be browsed by countless people for many months, and your ad can be seen by many of them.
Please contact Steve Margollis at (925) 679-7488
101 CREEKSIDE LANE, MARTINEZ
ESCONDIDO DR, MARTINEZ
Features Include:
• Highly desirable, quiet cul-de-sac location ~ offering privacy, low traffic, and beautiful Oak trees ~ a wonderful family location
• Single story design has been greatly improved
• Lovely maple floors throughout most of home, fresh carpet in two bedrooms.
• Large detached garage offers many opportunities for your family’s needs. Workshop, fantastic storage area, or reinvent to your liking. If you would like an ADU this is the place for you.
• Existing garage and long driveway could be a blank canvas for you to reinvent, all while living in the home.
• Spacious back yard, surrounded by mature trees is textbook Alamo. The storybook cottage in the corner could be magical for your children’s playhouse, or a potting shed, she-shed, man cave ............ get creative!
OFFERED FOR $2,095,000
SCAN ME
3600
Situated
5
In-Home
20-foot
ALILOUPOUR REAL ESTATE TEAM
Adding Value to Your Home:
Very few people are aware of the added value an ADU can bring to their property. As an example the appraisal can be as high as 1 to 3 times the cost of the ADU and that value is added to the value of the existing home. Another reason is the high rental income in California. In fact, the number one reason people are building ADU’s is to live in the ADU and rent out their main home.
Benefits of Owning an ADU
Lets talk about the benefits of owning an ADU and all the tax credits and Grants.
• Income potential
• Privacy for office, music, artist, Inlaws, college students
• Adding value to your home creating equity
Best Ways to Use ADUs
There are quite a few ways an ADU can be used as they can be Non-Living Space ADUs such as:
• A gym/yoga place
• A home office
• An art studio/music studio
• A pool house
• Other use of ADU is to be a Guest House, Lodging Caretakers, Multi-Generational Housing Opportunity, Rental ADUs, and many more!
Lot Splits Can Bring Value and Income to Your Property:
Besides rental income and increased property value Senate Bill 9 allows for lot splits where you can now have up to 4 units after the Lot split. We are expert developers and can advise you correctly if this is proper for you and your financial goals. Give us a call and we will be glad to assist you.
The New Broker In Town
Hire Cathleen Griebling if you want someone who is knowledgeable, professional, and determined to getting your home sold. We can’t say enough good things about Cathleen. She knows her stuff. We hired Cathleen based on recommendations from family and friends who had used her in their real estate transactions. There is no doubt that we would hire her again in a heart beat to handle any future real estate needs. Whether your buying or selling, it is so important to have a knowledgeable real estate professional watching your back and negotiating the best terms for you. Thank you Cathleen Griebling. Robert T.
Cathleen is a true professional! She knows the business inside and out, works hard for her clients and follows through. We've had the pleasure to work with her on multiple occasions. Cathleen has helped us purchase 2 properties and sell 3 over the last 10 years. Even with the drastic ups and downs in the housing market over the last decade, she doesn't miss a beat. I can't recommend a more hardworking and trustworthy realtor.
Heather
Cathleen Griebling is a true real estate professional. She knows her community, the market and the best way to sell or buy a home. She has the utmost integrity and will be completely honest with you about how the process works, what you should know and expect. She works well with others and you can trust that Cathleen will do whatever it takes to get your deal done. I highly recommend Cathleen Griebling and due to her hard work my house sold over the listing price in the midst of Covid-19
. Julie
CCRIM Invites You to visit our website: www.CCRIMToday.com
SELLERS:
List your home with a CCRIM agent who will have your home on our Caravan Tour & Tuesday Broker Open.
BUYERS:
Ask your agent to attend the CCRIM meeting to learn about "Coming Soons"
AGENTS & AFFILIATES : Attend CCRIM every Tuesday Doors open at 8:00 am St. Stephen Catholic Church 1101 Keaveny Court Walnut Creek, CA One of the LARGEST networking groups in Contra Costa
OUR 2024 BOARD
PRESIDENT
Michael Moore
Stokley Properties Inc.
925-588-4846
Michael@StokleyProperties.net
SECRETARY
Lisa Lilley REALTOR® 925-787-5105
lisalilleyre@gmail.com
PAST PRESIDENT
Joe Stokley
Stokley Properties Inc. 925-658-1415
JoeStokley@StokleyProperties.net
SERGEANT-AT-ARMS
Ben Buehler
Cross Country Mortgage 925-787-7515
ben.buehler@ccm.com
Visit CCRIM on Facebook!
VICE-PRESIDENT
Amir Aliloupour RE/Max Accord 925-876-0255
Aliloupour@yahoo.com
TREASURER
Rod Abdolhosseini
Keller Williams Realty 925-407-7667
RodAbdo@kw.com
TOUR DIRECTOR
Jake Kemper Windemere Realty 925-817-9820
JKemperSells@gmail.com
SERGEANT-ARMS
Ellen Osmundson Windemere Real Estate 925-890-4276
Ellen.Osmundson@gmail.com
SOCIAL MEDIA
Robert Sogomonian
Keller Williams Realty 925-766-0869
RSogomonian@kw.com
Photo courtesy of Marcus L. Jackson Photography
By Patrick McCarran ~ Real Estate Broker
There is a major change coming in the real estate world that will completely reshape how buyers purchase their home. What will the settlement mean for homebuyers and homesellers?
Traditionally Owners have hired an agent to sell their property and negotiated a commission. By making it a percentage it gives the agent incentive to maximize the sales price, this is a very common practice with money management, talent agents, etc. The listing agent would then offer an offer of compensation from their commission to act as a finder’s fee and to broaden the scope and market of the property, this was the function of the MLS.
Starting in July 2024 this will no longer be allowed, due to a class action settlement with a private party and supported by the DOJ the selling agent will no longer be able to offer a finder’s fee on the MLS. The new system will shift agent compensation and place the Buyers on their own. This will give the Buyer the options of hiring a real estate agent, or a lawyer, or representing themselves. A written agreement will be required
for Realtor representation for both in-person and live virtual home tours. This currently only applies to Realtors but there is a state law in the legislature to apply to ALL real estate licensees. The Buyer will now be responsible for paying for their representation. There is as always no set price for representation and this will be up to the individual to negotiate.
Sellers will be allowed to pay for the Buyer’s agent if they choose by offering concessions on the MLS. The buyer can then choose to distribute the money according to their needs towards closing costs or Realtor fees. While listing commission fees have always been negotiable with the changing dynamic the fee structure will most likely change. As a Seller it will be up to you to negotiate what you wish to pay to sell your home and what will be the most advantageous. The Seller will decide if they wish to pay and how much to the Buyer’s agent. The Seller and their agent will need to work out if they are comfortable with their agent representing an unrepresented buyer and what the additional fee for the listing agent to represent the Buyer in that scenario.
While doing it yourself may sound like a great idea and instant savings, bypassing an
agent’s services may not lead to direct savings, especially for first time buyers, the home buying process can get very complicated and having a great local agent to negotiate and guide you can give you a competitive advantage.
Consumers will still be able to view Open Houses without a written agreement and may tour with the listing agent if the listing agent business practices allow. Buyer will have option to sign exclusive agreements or open agreement which will be up to the consumer and their Realtor. The Multiple Listing Service (MLS) will continue to be supported through Realtor dues and thereby imparting vital information to the consumer.
As we move forward into this brave new world of real estate, it will be different but ultimately I am confident that Consumers and Realtors will work together so that all parties may benefit.
Patrick McCarran is a local Realtor and Broker He can be contact by phone or text at (925) 899-5536, pmccarran@yahoo.com or www.CallPatrick.com. An independently owned and operated office. Equal Housing Opportunity.
Remember These 2 Helpful Hints:
1. List Your Home With A Realtor. They Are Professionals Trained In The Selling Of Your Home And Subscribe To The National Association Of Realtors Code Of Ethics.
2. Make Sure Your Realtor Advertises In The Real Estate Guide - Offering The BEST In Print & Online Exposure. This will help sell your home faster and get top dollar.
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IF SOMETHING CANNOT GO ON FOREVER;
The completion of this economic law is; ‘If something cannot go on forever, it will stop.’ This quote is attributed to economist Herbert Stein when applying it to the USA’s balance of payments deficits in the 1980s and later to the debate on government healthcare in the 1990s.
It also applies to the real estate condition today. Claims are now being made by many ’knowledgeable’ people in today’s business environment and others that first time buyers will NEVER (caps intended to catch your eye) be able to purchase a home. It is true that the purchase and sale of real estate is more difficult today in the face of higher interest rates and continuing high prices. As I write this, there has been a reduction in mortgage interest rates and a slight reduction in prices of existing homes in many areas. Continuing high insurance rates, some companies not accepting new policies, tax rates also increasing in some areas, energy prices also going up, and a potential slowing of the economy looming make things look fairly dire.
The quote above remains true. While these things cannot go on forever, they will stop. When that is cannot be predicted.
Once the negative clouds of our thinking clear, we may find some item we can focus on. Mortgage interest rates appear to be reducing toward the long-term rates we have experienced for a long time. The days of the 3% mortgage rate are no long in play, but it is reasonable to thin they may go to the high 4% to low 5% in the foreseeable future. This will be helpful as rates continue to slide as more people are given to purchase a home. Of course, more buyers will potentially impact home prices in a way that are not helpful.
Home prices are also falling in a lesser way. Many people complain that there are no home on market today. The
listing services are not showing a true lack of inventory today. However, there is likely shortage of homes on market in prices ranges that the current home buyers can afford. This is a time where buyers, using a seasoned agent can has great negotiation skills will help in an immense way in closing a fair deal for both parties.
Additional home costs, all part of the current inflation levels, will probably be reduced over time.
Currently, the largest obstacle in solving this situation is the lack of new available housing. Building a home in today’s economy is particularly difficult. Aside from the cost of land, labor, and materials, there are sometimes crippling costs of zoning, permits, and other government obstacles. When resistance to any building in any area, the delays also add significant costs. All of the costs add enough to the total bill that and economic profit cannot be made.
If you are thinking about the purchase or sale of your property, please contact me so that we can discus all of the items that are important to you. I can be reached At 512-772-6293 or via email at johnacase@stanberry.com or caseteamre@gmail.com
John Case is a Broker Associate with Corcoran Icon Properties (CA) & Stanberry Realtors (TX) He has dealt with all aspects of Real Estate during his career and can answer any question that you may have regarding your home.
CalDRE Lic:00622378
He is also the editor of the East Contra County Real Estate Economic Report. He works with his wife Diana in Brentwood. They can be reached at 925-382-9771 or by email at johnacase@stanberry.com
