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Contract Knowledge
Buying a home, you are entering into a legally binding contract that must be clearly understood both in terms of rights and obligations.
Today's real estate contracts are quite lengthy.
Agents are trained to understand and explain the contract along wi
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Mandatory Disclosures Required
With ever increasing mandatory disclosure obligations being placed on sellers of real estate, it can be difficult to keep-up with new requirements.
Below is a summary of disclosures required in residential transactions (1-4) units. Many of...
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Why a Real Estate Appraisal?
There are many reasons why you need a real estate appraisal.
Reduce property taxes, probate, estate planning, divorce settlements are some.
The most common one is to obtain a mortgage.
Most lenders are required by federal and state laws...
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What To Do First
Obtain a copy of your credit report and check for errors.
Do this prior to your lender ordering one. Mistakes are found.
Next gather all your financial data.
Lenders will want to see bank account statements, paycheck stubs, W-2 forms and tax return
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Geological Hazards
When the subject of geology is brought up, the responses are often typical: "When the "Big One" comes, California is just going to fall into the ocean anyway" or "All of California is earthquake prone, and there is no easy way to tell if a property may...
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Five Methods of Holding Title:
- Tenancy in Common
- Sole Ownership
- Community Property
- Joint Tenancy
- Community Property with Right of Survivorship
Tenancy in Common
The CLTA has provided the following definitions of common vesting
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