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.
MOBILE HOMES (IN PARKS OK!)
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.
BANK STATEMENT INCOME SELF-EMPLOYED
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.
Classic, Stunning Bungalow
2609 68TH AVE, OAKLAND, CA 94605
2 BED / 1 BATH / 824 SQFT. / $475,000
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
LISTING BY ROBERT HARRIS
JUST LISTED $638,888 4 BEDROOMS,2 BATHROOMS, SINGLE STORY IN ANTIOCH
This single story, 4 bedroom, 2 bathroom and 2 car garage home located in a desirable neighborhood, close to shopping, dining, schools and public transportation. The A/C and heating unit is only 1 year old. Freshly painted inside and outside. New LVP flooring. Call us for details.
JUST LISTED
This elegant property located in an affluent neighborhood close to Shopping, dining, freeway and schools. Entertaining kitchen with brand new stainless steel appliances with family room. A bedroom and full bath in downstairs. Low maintenance backyard with built in fireplace.
$388,000 2 BED/2 BATH TOWNHOME FOR SALE IN FAIRFIELD Beautiful 2 bedrooms, 2 bathrooms and a car garage. One bedroom and a full bathroom on ground level. Community pool and gym. Great location , close to Travis Air Force Base. Freshly painted. Move-in ready. Call for more details FOR LEASE
3 Bed/2 Bath HOUSE FOR LEASE - MARTINEZ
Freshly painted 3 Bedrooms, 2 baths, Florida room and 2 car garage home ready for lease. Freshly painted. Large corner lot. Convenient location for City commuters. Close to Hidden Valley Park and Highways..
$1950
2 Bed/1 Bath UNIT FOR LEASE - ANTIOCH
2 bedroom one bath, upstairs unit available for lease. Just painted inside. Clean unit. Close to Highway 4. Call for more i
Large home with 6 Bedrooms, 4.5 bathroom and 3 car garage home in a court location. Family room and a dinning room. Just painted. Close to Highway 4, school, shopping and Kaiser Hospital. No pets and No smoking.. FOR LEASE $3400
3600 Byer Rd. Byron, Ca 94514
28 Acres situated in the heart of wine country, near renowned wineries and event centers. Impressive 23,000 sq. ft. estate inspired by exquisite Italian design. 120 olive trees surround the mansion’s
18615 Marsh Creek Rd, Brentwood, CA 94513 272 acres , Contra Costa County approved for 4-parcel subdivision – 52acre mature olive orchard with 50,000 trellised trees, adding significant agricultural value. Riparian water rights via Marsh Creek, 6 wells, and seasonal reservoirs. Multiple power locations across the property, perfect for diverse agricultural or residential use. Listed: $4,250,000
DRE#01713767 925-433-1880 Sheena
DRE#02235502 925-286-5657
Discover your private retreat in this spacious, single-story 4-bedroom, 2.5-bathroom home spanning 2,467 square feet. Professionally landscaped on over a quarter-acre lot with a lush yard featuring fruit trees, a sparkling pool, and an outdoor awning with skylights, this property offers both relaxation and room to entertain. A generous 3-car garage provides ample storage and convenience.
Inside, the kitchen-family room combo welcomes you with oak floors, Corian countertops, and a cozy gas fireplace. Sliding doors from the family room lead to the rear yard, creating a seamless flow for indoor-outdoor living. The formal dining and living rooms add an elegant space for gatherings.
The luxurious master suite includes a walk-in closet, private sliding doors to the yard, and a spacious bath with a standup shower with built-in safety bars and a separate soaking tub. The hall bath features a shower over a tub. The fully equipped laundry room has a sink, washer, dryer that stay and both gas and electric hookups for ultimate convenience. Located near Lone Tree Golf Course and Event Center, Contra Loma Reservoir, and nearby parks for hiking, picnics, fishing, and more. $780,000
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
OAKLEY $75,000 Perfect Place for 55+ COMING SOON. 1 Bedroom /1 Bath 728 sqft. Kitchen Update with Countertops, Cabinetry, Appliances, and Laminate Flooring. XXL Primary Bedroom with 2 lrg closets! Stack Washer/ Dryer, Refrigerator Incl. Wheelchair accessible & Storage Shed. Park Space rent Lowest in the area. Call for a preview showing!!! $75,000
One prime acre lot situated between 2 large acre parcels..Beautifully maintained and landscaped..Electric gate opens to extra expansive drive way and one of a kind 5 car garage with bathroom..Home is classically designed with special architectural features..Some updates in kitchen and baths...Air conditioned..2 Wells and 2 septics ...Property is fully fenced and secure..This is a very special piece of Brentwood; come make this your dream home !
Features Include:
• H ighly desirable, quiet cul-de-sac location ~ offering privacy, low traffic, and beautiful Oak trees ~ a wonderful family location
• S ingle story design has been greatly improved
• L ovely maple floors throughout most of home, fresh carpet in two bedrooms.
• L arge 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.
• E xisting garage and long driveway could be a blank canvas for you to reinvent, all while living in the home.
• S pacious 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
1.
•
•
•
2. R enovation Home Equity Line of Credit (HELOC)
•
•
3. Super Jumbo L oans - Up to $10M!
• Self-employed?
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.
Dear Steve,
Just wanted to thank you for your fine East Bay Real Estate Guide Magazine. Even with the Internet, there is still a need and place for other forms of advertising. I find your East Bay Real Estate Guide Magazine a valuable and cost effective means to advertise. I am happy to say since 2009, advertising in your magazine with a full page color ad I have been able to get and help new buyers. It also helped keep my sellers happy exposing their property. Just the other day, I got a call on my listing for 1.2 million.
Wishing you continued success,
Sincerely,
Chris Moulis
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
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
DEVELOPING GENERATIONAL WEALTH
Even in these difficult times, things that ring true during truly good times remain true when things appear to be difficult or even impossible to achieve.
Creating generational wealth is wealth that is transferred to the heirs of the creators. That is to say, the family that creates the assets will pass it to their children up on their passing who will do the same once they also pass.
History shows that most of these assets are achieved through the acquisition, development and improvement of real estate. The value of real estate when compared to other assets dwarfs all the other types of things that hold value such as stock market investments, precious metals, and other commodities, and cash.
So why do I bring this up now, given what appears to be an almost impossible situation in this economy. As I stated in the first paragraph, this is a thing that rings true. There may be ways to get going in this economy even with higher interest rates, high prices, limited inventory and stagnant incomes.
I leave out inflation as owners of real estate benefit from inflation as prices in real estate go along with an inflationary economy. I think there are ways that many people can get started in developing their generational wealth in most economies.
First, starting small removes many of the stumbling blocks. I do not mean that starting well below what you truly can afford but begin with a property that meets your needs. Meeting your needs may eliminate obtaining what you want but cannot afford but not necessarily. Improve your property as you can afford, pay the mortgage and watch the impact of it increasing your equity; hire a financial professional to assist you if you wish, deduct the expenses that can be deducted
from your income taxes. Make your coffee at home, eat at home, avoid expenses that can be done without. Through this, save a little for the next purchase.
I have had many clients use this approach and have built a true generational wealth portfolio. Any changes in the economy are not expected today. First, the saying ‘Buy land; they aren’t making any more of it’, remains true. We are a country that has more people in it every year. They all need a place to live. Just these two facts will keep the value of property high even with all the other factors that cause a fluctuation in pricing.
To be effective in this journey, going alone makes things more difficult. I suggest that you make a relationship with an experienced real estate professional that has a view in the long run. The first property will start you off. If you already own some real estate and want to develop wealth for your family, please consider contacting us. This will be a long-term relationship and a similar one has benefitted a number of our clients, some of which we are serving; the grandchildren of our original clients. Our email is caseteamre@gmail.com. Please contact us.
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
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.
and potential customers can explore properties from any device, at their convenience, 24/7. Enjoy a fully interactive experience, similar to Google Street View, that lets you navigate every room as if you're actually there.
