2671 Minert Road, Concord CA 94518

Offered at $499,000

This charming well maintained Concord home offers a spacious floor plan in 1432 square feet of living space and a huge 8,250 square foot lot with a backyard that is made to order for kids, pets and an entertainer’s paradise. Perfect for outdoor barbecues with two patios and a huge lawn area.

The stylish updated kitchen is light & bright with large windows overlooking the yard that features a variety of fruit trees. The kitchen includes stainless appliances, granite countertop and flows into a spacious dining area and living room.

This Concord CA home also features dual pane windows, updated bathrooms, huge master bedroom with two closets (one walk-in), second bedroom also with walk-in closet, and third bedroom with two closets…loads of storage space!

The backyard features a custom made redwood arbor with mature grape vines, fruit tress, (apple, peach, apricot, cherry, fig) and two patios one of which could be converted for 14RV parking. The home is located near a community pool and close to Concord shopping, restaurants (Costco, Safeway, Trader Joes, Starbucks…) and the Pleasant Hill Bart Station.

24-hour recorded Info: 800-816-4974 x 3049

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The path to the American dream of owning your own home continues to change. The Housing & Economic Recovery Act of 2008 was signed this week and “the times they are a changing.

Here are the highlights of the changes. If you are considering buying or selling a home, contact Ginny (925) 699–3328 to see how this may affect your situation.

First-Time Home Buyer (FTHB) Tax Credit:

• The maximum credit amount is $7,500
• The credit is available for homes purchased on or after April 9, 2008 and before July 1, 2009
• Single taxpayers with incomes up to $75,000 and married couples with incomes up to $150,000 qualify for the full tax credit. There are specific modifications to these limits, best to seek advise of a tax preparer.

FHA Modernization:

• Effective October 1, 2008 the minimum down payment will increase to 3.5%, up from 3.0% currently
• Seller funded Down Payment Assistant Programs such as Nehemiah, HART and AmeriDream or funds from any other interested party to the transaction will be prohibited on all loans where final credit approval has not been established by September 30, 2008
• Effective January 1, 2009 the maximum FHA-insured loan will be increased to 115%  of an area’s median home price, up to a maximum of $625,500

Fannie Mae and Freddie Mac’s Conventional Conforming Loan Limits

• Effective January 1, 2009 the conforming loan amount will increase in high-cost areas to $625,500
• Loan limits defined in the Economic Stimulus Act of 2008 will remain effective until December 31, 2008.

It's a great year to buy a home in California. 

If you have just returned from Mars or come out of a coma, you may be unaware of what a great time this is to buy a home in the East Bay of California.The downturn in the housing market and the year long shakeout in the mortgage industry have led to a flood of short sales, foreclosures and bank owned properties.

There are literally hundreds of great deals on homes in Danville, San Ramon, Dublin, Pleasanton, Walnut Creek - well, everywhere in the San Francisco Bay Area. In Antioch and Brentwood California their are some real steals.

Houses are begging to be purchased. Some are jumping up and down and crying - buy me, buy me!

The housing affordability index is climbing, indicating an expanding opportunity for first-time buyers.

Families relocating into the East Bay Area are finding the opportunity of a lifetime with housing prices.

Contact Paul to explore the possibilities (925) 963-4246 

We have found 4 principles that apply to nearly any aspect of the real estate buying process.

The 4 Fundamental Principles of
the Real Estate Buying Process

• The rules of real estate are always local
• The best deals are usually win/win
• Price and value are not the same
• Choose with your heart and your head

The Rules of Real Estate Are Always Local

Markets change from year to year and from neighborhood to neighborhood. The information you need is local market information, not national, or from the neighboring state, or from some other community. Real estate laws, procedures and practices are local.

The Best Deals Are Usually Win/Win

Everything in real estate is negotiable. Negotiations end with inflexibility. The solution is to find a win-win outcome that accomplishes what both parties really need.

Price and Value Are Not the Same

Focus on value, not price. Make your home search a search for value – quality at a reasonable price. Don’t set yourself up for headaches, hassles or dead deals by cutting corners on price. This principle seems to withstand the test of time – you get what you pay for.

Choose With Your Heart and Your Head

The property you buy will be your home and an investment. You want a home you will love and a home that is a solid financial investment. Look out for your future. Always keep in mind – resale value.

The home-buying knowledge a first-time homebuyer in San Ramon or Dublin CA needs falls into three categories:

• Knowledge of the home-buying process
• Knowledege of the local real estate market
• Knowledge of YOUR personal criteria

Of the three, the only one YOU, the buyer, need to master is the last. This knowledge includes:

• What YOU want
• What YOU need
• What YOU can afford

You need this knowledge to develop a clear vision of the home you are looking for. From thee , your real estate agent will help you narrow the market to only those homes that fit YOUR needs.

Once you find your dream home, your real estate agent will also lead the way as your home is researched, assessed, negotiated, contracted, inspected, fixed, and, finally, purchased.

Many first-time home buyers feel overwhelmed by the amount of information, skill and experience required to acquire the first two categories of knowledge. This is why having an experienced real estate agent that knows the local real estate markets of San Ramon or Dublin is such a great support. It means this knowledge is optional – you can learn as much or as little as you want.

You don’t have to be an expert in every detai of the home-buying process or the local real estate markets to purchase your first home.