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  1. potsticker

    StoneGate vs Eastwood

    Some of Stonegate's larger homes push up against Portola Pkwy across from the landfill. Some I've spoken to have never noticed any odors or the trash trucks...but something to factor in.
  2. potsticker

    How low can we go? 30 yr fixed at 3.75% with no fees...

    Correct. The platform is Better.com, but branded as Ally Bank. My understanding is Ally is pushing jumbo's and have one of the best rates out there currently. The hard credit check comes when you move to lock a rate and finalize an application (which requires upfront appraisal payment). Also...
  3. potsticker

    RENTAL property refinance

    I've used Cares and SGIP for my personal loans (refi and purchase) and they've been legit. Just my personal experience and endorsement/recommendation for both. I keep in touch with both as well - depending on whether I need a rate check or have a referral who needs a loan.
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    2.875 No Cost Refi (30 YR Jumbo)

    Rates dropped yesterday and looked really good. I locked 2.75% for a 30-yr jumbo refinance with a $2k+ closing credit with Ally. The credit should cover most of my closing costs. The lock is for 75 days and Ally is projecting to close the refinance in about 45 days.
  5. potsticker

    2.875 No Cost Refi (30 YR Jumbo)

    Ally's website offered me 2.990. Did you have to contact someone for 2.875%?
  6. potsticker

    Where the market is - Buyer Offers

    Brutal is an understatement. Extremely tough for buyers, even if you're all-cash.
  7. potsticker

    List of Contractors and Vendors

    Never had a problem with Costco appliance purchase, delivery, installation, and return (for an item that failed).
  8. potsticker

    New Listing - Castellina condo @ Covenant Hills in Ladera Ranch (19 Tuscany)

    As it relates to the CRMLS:https://kb.crmls.org/knowledgebase/listing-status-definitions/ In most cases, once an offer is accepted and the earnest deposit hits escrow, the status is flipped to U. Once all the contingencies are moved, the status is moved to P. Many use U status so they can still...
  9. potsticker

    Where the market is - Buyer Offers

    Saw this one too. Not a bad space. 3 bedrooms detached under $1m with low HOA makes this really attractive. Thought some buyers may be turned off with the murder on Red Apple...but I guess not.
  10. potsticker

    Self-Representing

    Great idea in concept but doesn't play out as well from an execution perspective. More often than not, builders will tell you that they won't give you the broker co-op for not using an agent. "It's a different budget." Or, they'll give you a small credit versus what you'd get if you split it...
  11. potsticker

    Where the market is - Buyer Offers

    I was there before. Timing is everything and your time will come. I happened to buy my first property at 25. It was a Bay Area condo that was built in 2010 - they were unable to sell the units so they rented them out. When the market got healthier, they started to sell the condos as leases...
  12. potsticker

    NAR Home Buyer Statistics

    Hey even watch brands like Rolex, AP, Patek have seen an astronomical rise in value on the secondary market. You got people wearing a down payment on their wrist now.
  13. potsticker

    COVID-19 Vaccine Questions

    I believe starting today, people will not be screened prior to getting the vaccine. It's an honor system as there's no practical way to prove you're "at-risk" and could be considered discrimination to certain classes...
  14. potsticker

    How to know where value lies today

    Yes, a couple of them had student loans and car loans! No doubt, it's a tight budget. In this market, it's extremely tough for a FTHB to compete. It's often times easier to buy a new construction home where it's first come, first serve rather than trying to bid against multiple offers.
  15. potsticker

    What is the listing fee when selling?

    3% on the low end, 6% on the highest end. No upfront costs, you pay when you close escrow and it comes out of your proceeds. Depending on the level of your property, you may be asked to pay for staging, professional photos, etc to make your property more marketable. Some agents include this in...
  16. potsticker

    How to know where value lies today

    In this case, the listing agent priced it at 10% over the most recent comp that sold in January. So, they did list at market value, but the market dynamics (low supply, high demand) drove the price up. I've worked with 4 FTHB's last year and am working with 2 right now. Generally, they're...
  17. potsticker

    How to know where value lies today

    Just got the news that my buyers were outbid. The seller's got $96k over ask and a quick close. Crazy, crazy market!
  18. potsticker

    How to know where value lies today

    Good luck, USC! I put in an offer for a friend/client this weekend for a completely flipped home in Placentia. We initially offered $60k over ask and got a best and final counter. The sellers were actually reasonable...only asking for waived appraisal and highest price. We went back with a final...
  19. potsticker

    Suggestion for 1031 Exchanger

    Epic Deed Services in San Gabriel Valley. http://www.epicdeedservice.com/ Their pricing is good and recommended by escrow that I work with.
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