Moving Checklist: RealtorKJ

The whirlwind of moving can quickly take on the effects of a hurricane when you add in kids, pets, or special circumstances. As is the case with most things in life, planning is key!

Whether you have six months, or six days to get it all done, just take a deep breath, prepare and let’s get planning!

Once you have decided to move, and established a loose timeline, its time to prep, prioritize and pack. Knowing what you touch and use daily as opposed to items in closets, storage and in the very back of cupboards makes it easier to start packing early on. If you are able to spread the work out, you, your family, and your pets will all feel at ease.

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South County Real Estate Market Report: Morgan Hill, Gilroy, Hollister

Introducing Intero Real Estate’s Market Report. The market is constantly shifting in small yet meaningful ways, and we want make sure you always have the most accurate and up to date insights possible. The following pages will utilize market data to illustrate these changes and trends; more specifically, we’ve analyzed inventory, pricing, and how long homes have been on the market. We get that data can be a lot to sift through, which is why we did it for you. Whether you want to buy, sell, or stay, reading this report will give you the knowledge to make informed decisions every step of the way. 2016 Intero Real Estate Services Inc., a Berkshire Hathaway affiliate. All rights reserved. Data provided by Trendgraphix January 2016. All information deemed reliable but not guaranteed. This is not intended as a solicitation if you are listed with another broker.

Thinking about moving in 2016?

One of the most important decisions you will make when moving is deciding on your real estate agent. Kristen Jurevich is here for the most important person of all…YOU. Kristen is committed to helping home buyers and sellers make the right investment decision. She shows clients the hidden gems of San Benito, Santa Clara, San Mateo, Monterey, and Santa Cruz counties having been a lifetime resident of the Bay Area.

Ask your local real estate agent Kristen Jurevich for homes that fit your lifestyle or ask about a free home value analysis.

 

Honoring Veterans with the VA Loan Program

Happy Veterans Day from Kristen Jurevich

Happy Veterans Day from Kristen Jurevich

Many of my clients are Veterans, and I hold them near and dear to my heart.  They volunteered their life for our freedom, so I encourage them to use the great benefits of a VA loan.

In the Bay Area, we have a competitive real estate market with sellers wanting top value and buyers going above and beyond to get an accepted offer.  With all the rivalry, VA buyer’s got shoved to the side.  However I am here to fight for you, by presenting buyer’s offers to sellers and not leaving without a justified answer.

Below are details from VA.gov but contact Kristen Jurevich for a local VA lender who can close within 30 days with the new TRID disclosures.


 

VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

Benefits

Purchase Loans help you purchase a home at a competitive interest rate often without requiring a downpayment or private mortgage insurance. Cash Out Refinance loans allow you to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements. Learn More

Interest Rate Reduction Refinance Loan (IRRRL): also called the Streamline Refinance Loan can help you obtain a lower interest rate by refinancing your existing VA loan. Learn More

Native American Direct Loan (NADL) Program: helps eligible Native American Veterans finance the purchase, construction, or improvement of homes on Federal Trust Land, or reduce the interest rate on a VA loan.Learn More

Adapted Housing Grants: help Veterans with a permanent and total service-connected disability purchase or build an adapted home or to modify an existing home to account for their disability. Learn More

Other Resources: many states offer resources to Veterans, including property tax reductions to certain Veterans. Learn More

Eligibility Requirements

Your length of service or service commitment, duty status and character of service determine your eligibility for specific home loan benefits.

Purchase Loans and Cash-Out Refinance:VA-guaranteed loans are available for homes for your occupancy or a spouse and/or dependent (for active duty service members). To be eligible, you must have satisfactory credit, sufficient income to meet the expected monthly obligations, and a valid Certificate of Eligibility (COE). Learn More

Interest Rate Reduction Refinance Loan (IRRRL): The IRRRL is a “VA to VA” loan, meaning it can only be done if you have an existing VA guaranteed loan on the property. The IRRRL is generally performed to lower the interest and reduce the monthly payment on the existing VA guaranteed loan. Learn More

Native American Direct Loan (NADL) Program: The NADL program helps Native American Veterans purchase, construct, improve, or re-finance a home on Native American trust lands. Your tribal organization must participate in the VA direct loan program. You must have a valid Certificate of Eligibility (COE). Learn More

Adapted Housing Grants: VA helps Veterans with certain total and permanent disabilities related to your military service obtain suitable housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant. Learn More

How to Apply

Purchase Loan & Cash-Out Refinance: VA loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE througheBenefits, by mail, and often through you lender.Learn More

Interest Rate Reduction Refinance Loan: A new Certificate of Eligibility (COE) is not required. You may take your Certificate of Eligibility to show the prior use of your entitlement or your lender may use our e-mail confirmation procedure in lieu of a certificate of eligibility. Learn More

Native American Direct Loan (NADL) Program: First, confirm that your tribal organization participates in the VA direct loan program. NADL loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE through eBenefits, by mail, and often through you lender. Learn More

Adapted Housing Grants: You can apply for an SAH or SHA grant by either downloading and completing VA Form 26-4555 (PDF) and submitting it to your nearest Regional Loan Center, or completing the online application. Learn More


 

Loan Limits by County 

Fannie Mae and Freddie Mac Maximum Loan Limits for Mortgages Acquired in Calendar Year 2015 and Originated after 10/1/2011 or before 7/1/2007

MONTEREY, CA

One Unit $ 643,350

Two Unit $502,550

Three Unit $ 777,650

Four Unit  $ 966,450

SAN BENITO CA

One Unit $ 800,775

Two Unit  $625,500

Three Unit $ 967,950

Four Unit $ 1,202,925

SAN MATEO CA

One Unit $ 800,775

Two Unit $625,500

Three Unit $ 967,950

Four Unit$ 1,202,925

SANTA CLARA CA

One Unit $ 800,775

Two Unit $625,500

Three Unit $ 967,950

Four Unit$ 1,202,925

Move to California: Average Home Prices by County

 

 

California has a home price range for almost anyone who is looking to move into the Sunshine State. Take advantage of the low interest rates and a buyer may be able to purchase a home larger than expected.  Do not wait too long because my small town Hollister in San Benito County about 50 miles south of San Jose just experienced a 30% home value increase from 2011 to 2012.
californiahomeprices_Kristen Jurevich