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tracy california realtor

Posts Tagged ‘tracy california realtor’

Title Insurance and You: Do You Need to Pay for It?

Monday, March 14th, 2011

Many people who don’t completely understand the what title insurance actually is might question this item when the closing costs are added up. It is, however, a very important thing to have. As the name implies, the function of this kind of insurance is to ensure the integrity of the title to your home at the time its title legally passes to you as the buyer. Title insurance is designed to protect you in case there are problems or unknown legal complications tied to the title on the property which were caused by the actions or failures of previous owners.

In other words, title insurance ensures that that your ownership rights to your home are protected from any kind of liability arising time before you bought. This is an insurance policy which insures the “before” period of home ownership, unlike ordinary homeowner policies, which cover the “after” period.

After you complete the purchase of your home, if it were to come to light that there had been a tax or mechanic’s lien on it, title insurance would keep you from a disastrous financial loss from the circumstance.

It is all too common that someone will purchase a property and then discover that it has an encumbrance against it because of something that happened with a previous owner. You surely do not want to find yourself coping with such a situation without having the security of a good title insurance policy. Uninsured, you would have been exposed to a financial liability, which could amount to anything from a petty annoyance up to a big debt leading to loss of the property.

Title insurance covers homeowners against any disputes that come up from situations related to the title of your home before you purchased it. For example, if you buy a home that was sold to you in as part of a scam or swindle with illegal documents, the title insurance policy would cover you against any loss you might incur as a result. If any disputes were to arise regarding the chain of ownership of the property you have just bought, your title insurance policy would give you the coverage you need in that situation.

What Title Insurance Is Not

It is not protection against things you might do to jeopardize your ownership. It is strictly limited to ensuring that you have a clear title to the home at the time that title transfers. If you fail to pay the property taxes and a lien is filed, you will still have to take settle the debt yourself. Title insurance will not give you any protection that.

As one last reminder, title insurance does not cover anything related to the belongings or the structure of the property. You also need to take positive steps to insure your home against perils such as fire, theft, and natural disasters with a good homeowners policy. When you purchase your home, both title insurance and homeowners insurance provide different kinds of coverage, and you most certainly must have both of them.

If you have a need to look into Broomfield CO real estate for sale, it’s easy to Search for Colorado Homes at AutomatedHomefinder.com.

who pays for title insurance

FOR SALE: Over 5 Acres in Valley Springs, CA

Friday, July 23rd, 2010

If you like what you see, call today for a viewing appointment! Helen Coppage (209) 640-8708.

This gorgeous spacious home sits on over 5 acres of land, complete w/ a pond & stream.

Main home is 3,341 sq. ft. w/ 1,200 sq. ft. fully finished carpeted bonus room above garage, and 350 sq. ft. attic storage.

Includes beautiful Master Suite with double doors, separate sleeping area & sliding door to outside.

Large open kitchen is a cooker’s delight, w/ built-in fridge, center island, double oven, pantry closet and more!

Words don’t do this home justice – it truly is a MUST SEE!!

Acerage For Sale in Valley Springs CA 9888 Questo Road

If you like what you see, call today for a viewing appointment! Helen Coppage (209) 640-8708.

Do Housing Prices Have Further to Fall?

Monday, June 21st, 2010

Author: Ryan Moeller

In many areas market stability has not been restored. High inventory, high unemployment and high home prices will lead to further declines in home values. However, we are very close to hitting bottom and in many markets we already have. Remember, real estate is regional and you have to research not the entire country but down to the zip code, neighborhood, street and specific property. The article below sheds some light on Obama’s efforts and home values, a very interesting read. For more information, check out our Market Stability Report for info on your market and our Guide on Where to Invest.

Despite Obama’s Best Efforts, Housing Prices Have Further to Fall, Says Glenn Tongue

Posted Mar 10, 2010 01:23pm EST by Peter Gorenstein

What a difference a year makes. This times last year, the Federal Reserve, Treasury Department and White House were scrambling to do whatever they could to prevent home prices from falling off a cliff and thereby dragging the banking system down with it.

Now the Obama administration is set to launch a program on April 5 to encourage short sales. The plan will give homeowners and banks money if they sell the house for less than the mortgage is worth. The homeowner gets $1,500 to leave the house quickly and the bank gets $1,000 for going through with the transaction.

Time will tell whether or not it will be more successful than the struggling $75 billion mortgage modification program. Regardless there are still fundamentals in the marketplace the government can’t solve. “The inventory is too high, prices are slightly too high and unemployment is really quite high,” say Glenn Tongue, Managing Partner of T2 Partners and co-author of More Mortgage Meltdown.

Tongue tells Aaron, in the accompanying clip, home prices still have another 5-10% to drop before hitting bottom. And, though he admits “a year ago the situation was a lot worse” he’s still wary of investing in housing and financial stocks related to housing. In fact, his hedge fund is still shorting several companies in that business, though he would not name names, citing compliance rules.

Unlike last year, Tongue no longer finds the big banks attractive and instead focused on only a few specialty financial companies including Fairfax Financial and Resource America.

Real Return Real Estate™ for years has bought property at extreme discounts, sells and rents with tremendous cash flow. We also provide FREE tips, articles, guides and Educational Webinars. Visit our site http://www.realreturnrealestate.com for all the helpful resources.

[Article Source]

housing prices falling

Have Homebuilders Lost Confidence In The Recovery?

Tuesday, June 15th, 2010

According to the National Association of Home Builders, its housing market index fell to 17 in the month of June, dropping five points after two straight months of increases; the lowest level since March.

From The Associated Press:

Builders had been more optimistic earlier in the year when buyers could take advantage of tax credits of up to $8,000. Those incentives expired on April 30, although buyers with signed contracts have until June 30 to complete their purchases.

Experts anticipate home sales will slow in the second half of this year. In addition, high unemployment and tight mortgage lending continue to keep many buyers on the sidelines.

The drop in activity is “a wake-up call to the fact that the market will struggle to stand on its own two feet without the tax credit,” wrote Paul Dales, an economist with Capital Economics. “The double-dip in both activity and prices that we have been expecting for some time appears to have begun.”

New homes sales made up about 7 percent of the housing market last year. That’s down from about 15 percent before the bust.

It’s also bad news for the economy. Each new home built creates the equivalent of three jobs for a year and generates about $90,000 in taxes paid to local and federal authorities, according to the National Association of Home Builders. The impact is felt across multiple industries, from makers of faucets and dishwashers to lumber yards.

Full Article : Homebuilders less confident in recovery

homebuilders lose confidence in recovery

City Of Tracy To Spend $2.75 Million Revitalizing West Valley Mall

Friday, June 11th, 2010

Calling it a “calculated risk,” the City of Tracy is looking to spend $2.75 million to help bring a Macy’s department store to town in an effort to revitalize the suffering West Valley Mall.

On Thursday June 10th City Manager Leon Churchill said city employees will present the City Council with a plan on how the money will be spent on fixing up the anchor space of Tracy’s West Valley Mall, left empty by Gottschalks last year. The plan is to have Macy’s move in and open its doors sometime in October – in time for the holiday shopping season.

The voting will be held during a special meeting after the council’s regular meeting on Tuesday June 15th.

The Tracy Press Reports:

Churchill said the $2.75 million would come from the residential specific plan fund, money set aside years ago after a settlement with developers. The money — which amounts to developer impact fees and is not tax revenue — can’t be used for things like the fire or police departments, Churchill said. It can only be spent on one-time projects.

“Every so often, the city has to take some calculated risk if it wants to create a better end result. I think this is one of those opportunities,” he said.

…The declining state of the mall is one of the reasons the city manager gave for the city’s courting of Macy’s. He said having a high-end fashion store in the vacant Gottschalks property could have a lasting benefit for the entire mall, in addition to the city and its residents.

…According to city projections that Churchill called “conservative,” the $2.75 million investment should be repaid through sales tax receipts within 10 years of Macy’s opening its doors. He said that timeline could be accelerated, depending the store’s success — Tracy takes in via taxes about 1 percent of all sales, and the future Macy’s is “conservatively” supposed to generate between $15 million and $22 million annually.

That’s compared to Gottschalk’s best sales year of $11 million, Churchill said, adding that Macy’s worst sales years should be far better than Gottschalk’s best.

Churchill said partnering with General Growth and Macy’s is a chance for the city to make a statement and respond to numerous calls for increased economic development.

“I think the community has been asking for some action on the city’s part,” Churchill said, “and I get the impression that this is the sort of thing that’s been asked of the city.”

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macys tracy california
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Consider Building A Wine Cellar In Your Basement

Wednesday, June 2nd, 2010
Author: clavinee

Building a wine cellar in your house will surely enhance the beauty of your home. Also, the wine cellar boosts the market value of your home. Whenever you feel like drinking your finest wine, it would be a great place in your home to enjoy it. If you’re a wine lover, this would be a perfect addition in your house.

Though it is not an easy project, creating a wine cellar will definitely add beauty to your home. Here are some things that you should think about as you decide to build a wine cellar.

· Plan carefully. It is crucial to consider your spending budget for building the wine cellar. You should also think of the right design and combination to make it really attractive.

· Put together all building materials. You will need to pick the necessary materials for building the cellar. Preparing the right materials needed in building the wine cellar will allow you to be able to easily work.

· Install ventilation. The place should have proper ventilation to make the place really comfortable. You may install an air conditioning unit to ensure that things will be good and convenient. Installing proper air flow in the cellar is needed as it is located in the basement. Without the right ventilation, you will have so much heat in the place.

· Install the right plastic protection. The wine bottles need protection too. Putting on the right plastic protection will shield the wine bottle just in case it falls on the floor. The protection of the wine beverages is very important in securing what you have invested.

· Install proper flooring. One thing that also contributes beauty to the wine cellar is the flooring. It is important that you install the right flooring in creating a fine wine cellar. You may want to use tiles to make the place look pretty much better. Moisture resistant flooring will help the wines to be protected.

· Install wine racks. Depending on the quantity of your racks, installing the right wine rack in the cellar is necessary. Wine bottles have various sizes and shapes, so you need to install the right wine racks. There are different sizes of the wine racks that you can choose from and installing the right size will allow you to properly arrange and organize your stock of wines.

Obviously, what is a wine cellar without wines? When the wine cellar is completed it time for you to put the wines. Understanding the capacity of your storage place will give you the right number of wines that you will stock. The wines are important elements of the wine cellar.

Building a wine cellar in your basement is not an easy task, but it is a good project that you should take. With the right spending budget and proper planning you can build a nice wine cellar in your basement. Having a nice space to stock your wines is not only pleasurable for home owners, but also a great addition as it boost the value of your home.

Laveen View Homes for Sale highlight the area’s splendor. Laveen Waterfront Property lets you enjoy the view. Laveen Homes with Pools make a splash.

how to build basement wine cellar

Evaluating the Schools in Your New Neighborhood

Wednesday, April 28th, 2010

If your family includes kids and you’re thinking about moving to a new area, the schools are be among your first considerations. Does the neighborhood have good schools? Are the teachers and staff well-equipped to teach your children? Is there a good PTA that addresses the concerns of parents? These are pertinent questions you might need to look into before you commit to a decision on a new home.

Graduation Rate

Especially for families that have children who are in high school, the school’s graduation percentage may have a bearing on the decision. Schools that do not have good graduation rates have a bad reputation are categorically coming up short in their most basic job. For this reason, many parents want to live in neighborhoods where the high schools have a good graduation percentage that shows a dedication to a good education.

Standardized Test Scores

When you are checking out an area’s schools, one of the primary things to look into is the overall test score rankings. While these are not the only thing you should consider in judging the quality of a school, as some parents appear to believe, they can be a good indicator of how good the teachers are at the overall charter of providing their students a relevant education. Some high schools may even disclose the average ACT or SAT scores achieved by their students to be an indication of their competitive success rate.

Per Capita Expenditures

Some websites will disclose how much a school district budgets and spends to educate each student each year. This is the amount they provide to ensure that each student has everything they need for success in their academic career. The per-capita figure includes teacher salary, books, supplies and other equipment and classroom materials that are involved in the education process.

Location

Finding a neighborhood in which schools are located close by is the ideal situation for parents with young children. When your home is situated close to the schools, you can walk with your small children to and from school each day. If you have a busy schedule, your kids can walk to and from school by themselves as they get older. It’s a terrific way for them (and you!) to get fresh air and good exercise besides.

Ratio of Students to Teachers

How many students there are for each teacher is often thought of as playing a big role in the successful outcome of the education process. The national average is between 16 and 17 students for each classroom, though as school districts are experiencing budget pressures that may be on the increase. In a school that goes over those numbers by too much of a margin, your child may not get the individualized attention they need if and when it is needed.

Enrichment Activities and Clubs

Have you looked into whether the schools in your new home’s district offer extracurricular activities? Do the schools have interesting groups and enrichment classes that will keep your young students involved in learning? This could be a major factor when you are making a decision about a new area to live.

Schools are one of the biggest factors of your decision when you are deciding on a new home. You want to find a place where your kids are comfortable and a place where you feel comfortable as well. By carefully researching schools in the different areas where you’re considering a next home, you can find the best place for you and your entire family in one spot.

If you ever want to check out Longmont CO real estate for sale, it’s easy to Search Colorado real estate at Automated Homefinder.


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For Rent in Tracy, CA – 4 to 5 bed, 3 bath $1,895/month

Monday, April 19th, 2010

If you like what you see, call me today! Tony Martin (209) 610-3431.

Beautiful 2,051 square foot home in Tracy, CA for rent at $1,895 per month.

4 – 5 bedrooms
3 full bathrooms
Built 2002
Carpet and Hardwood Flooring
Bonus Room
Inside Laundry Area
Covered Patio
Easy Freeway Access
Close to schools and shopping

homes for rent in tracy 2518 gaines lane

If you like what you see, call me today! Tony Martin (209) 610-3431.

Health Care Overhaul Bill To Go Before The Senate

Monday, March 22nd, 2010

Another step has been taken in the fight over health-care reform and whether you agree with the historic bill or not, it cleared the House of Representatives last Sunday and is now on its way to the Senate, where lawmakers are expected to vote on a package of changes to the bill this week.

This package of changes on which Senators are preparing to vote, comes in the form of a “reconciliation” bill – amending the Senate bill that the House lawmakers just approved.

Some of the changes the Senate will be voting on include adjustments to at tax on high-value health plans and an extension of subsidies to buy insurance. When put together, both the Senate bill and House bill will cost $940 billion over 10 years; aiming to extend insurance coverage to 32 million more Americans.

Although Senate Democrats plan to approve the reconciliation bill by the end of the week when Congress goes out on recess, the Republicans are promising to load up the bill with amendments in an attempt to get it kicked back to the House and ultimately killed as a bill.

Republicans are also vowing to make the healthcare-overhaul bill an issue in congressional elections this fall; the Democrats are planning to fight back.

Late Sunday night President Barack Obama said the House’s vote on the Senate bill does not represent the end of the work that our country is facing; Obama will reportedly sign the main overhaul bill this Tuesday.

“The work of putting American families’ dreams back within reach goes on,” Obama said. “And we march on, with renewed confidence, energized by this victory on their behalf.”

When Obama signs the main overhaul bill that the Senate passed Sunday night, it will become law. The Republicans are attempting to weaken the overall legislation of the bill by pulling it apart via the reconciliation bill.

Since it takes just 51 votes for approval, Democrats are using the reconciliation process in the Senate to make changes to the main overhaul bill.

Obama’s party is using this tactic because it lost its 60-seat supermajority with the election of Sen. Scott Brown, R-Mass; Democrats cannot block the stalling tactics of the Republicans with only 59 votes.

Source: Action on health-care overhaul shifts to Senate – ‘Reconciliation’ bill teed up; Obama, Republicans pivot to campaign mode By Robert Schroeder, Market Watch

For more on the reconciliation process, read What the heck is reconciliation?

Health Care Reform Bill Senate

For Rent in Tracy, CA – 2 bed, 2 bath $1,050/month

Friday, March 5th, 2010

If you like what you see, call me today! Tony Martin (209) 610-3431.

Cute 1,100 square foot home in Tracy, CA for rent at $1,050 per month.

2 bedrooms
2 bathroom
2-car oversized garage
large kitchen
spacious family room
new paint
new floors

Close to schools and shopping.

Sorry, no pets allowed.

If you like what you see, call me today! Tony Martin (209) 610-3431.