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Homes in Pleasanton CA

Celebrating National Homeowner’s Month

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June is National Homeowner MonthJune is national homeowner’s month, and for many people, owning a home represents the American Dream, financial stability, and sustainability. It’s is an investment in the community, a place to set roots, build memories, and one of the largest assets a person will ever have.

Whether your idea of the perfect home is a cottage in a quiet community, a town home close to relatives, or a large, luxury estate with all the modern nuances, home is where the heart is and where you build your financial stability.

Owning a Home Just Got Easier with Lower Rates

For the first time in 16 months, interest rates have dropped below 4%. According to Freddie Mac, interest rates declined to 3.99%; last year at this time, rates were at 4.56%. This makes buying a home more affordable for those waiting to purchase a home and timelier for those wanting to lock in a low interest rate.

Whether you are looking for a 30 year fixed, a 15 year fixed, or a 5/1 ARM, it’s a wise decision to consult with a professional mortgage advisor who can look at your specific information and pre-qualify you.

Why Being Pre-Qualified Puts You Ahead of the Competition

In any market, a seller wants to choose a buyer who comes in with a fair asking price and the least possibility of anything going wrong during the transaction. When you present your offer with proof of pre-qualification for a loan, you are giving the seller sound financial reassurance that you can afford their home and have the funds.

Whether you use a bank or go to one of the many lenders, your loan officer should present you with a pre-qualification document that you can use during the offer. Your Realtor® should present a copy of the document with your offer and any other documents that can make your deal more attractive than the competition.

Working with an Experienced, Professional Realtor®

Whether this is your first home, an investment property, or a downsize from your previous homes, working with an experienced professional will get you results you deserve and desire.

The Gamache Team has been representing the Tri-Valley Area for more than 20 years, having previously been a part of a Senior Team that has been representing the Tri-Valley for over 52 years.

Real Estate runs deep with The Gamache Team, and they are experts at helping you achieve your American Dream of Home Ownership.

Contact The Gamache Team

If now is the right time for you to invest in real estate, own a home yourself, or even start looking at homes, The Gamache Team is prepared to help you plan, budget, learn about down payment options, and direct you to a lender who can take care of you.

Please contact us for more information at Dan@GamacheTeam.com or call (925) 918-0332. For more information, you can always visit our website.

Foreclosures are down!

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Good news to our real estate markets and the overall economy, foreclosures fall to the lowest level since 2007.  According to Realty Trac default notices and bank repossessions were down 33% from the prior year.  Over the past 5 years over 4 million homes have been lost to foreclosure.

Our local real estate market has suffered our bumps and bruises but comparing to other areas we definitely held our own.  Prices have declined 20-50% locally depending on the area.

Some government programs have helped soften the foreclosure landslide.  HAMP and HARP have started over 5 million mortgage modifications since 2009.  These programs have helped home owners stay in their homes by adjusting the mortgage terms.

Short sales are adding to the number of notice of defaults but not to the foreclosure amounts.  When a homeowner stops making payments the notice of default is filed.  The notice of default is the start of the foreclosure process for the bank.

Banks are realizing that it is in their best interest to do a short sale versus a fore closure.  The fees for a bank can reach well over $50,000 just to get the property back and ready to be sold.

Hopefully we can get through most of the distressed properties this year and continue to stabilize the real estate market.  We will have growth and appreciation once we clean up all the distressed properties.

Happy 4th of July!

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This will be a quiet week in real estate so let’s focus on some fun things to do around here.  We are so fortunate to live near an area that has some much to offer.  We are simply spoiled!

Wine tasting in Livermore is becoming a huge attraction with over 25 wineries throughout the Livermore Valley.  You can find excellent wine and most likely some good entertainment at many of them this weekend.

Shadow Cliff’s is often over looked but we actually have water slides right here!  The water slides are a perfect place to take the kids and turn them loose.  There also are picnic tables, lake swimming, and fishing.

Hiking around the Tri-Valley is a great activity to get some exercise and take in the beautiful views.  My two favorite places are the Pleasanton Ridge and Sycamore Grove.  The Pleasanton Ridge has miles of trails all the way up and across the Pleasanton Ridge.  You can actually make your way near the 580 freeway and on a very clear day see the Golden Gate Bridge.   Sycamore Grove is more of a flat walk through nature.  There are paved trails that wind through a beautiful valley.  Towards the end there is a hill but you can walk on flat ground most of the way.

Golfing is a great option this weekend.  The Tri-Valley has several beautiful golf courses.  My two favorite courses are Callippe, and Wente.  Each of those course offer beautiful views, changeling holes, and a good value.

If you are willing to go a little further San Francisco, Santa Cruz, Monterey, and Napa are all awesome places to visit.  I would say right the best thing to do is to go to Yosemite National Park.  The water falls right now are incredible!  It is a nice day trip and will give you lasting memories!

 

Have a great holiday weekend!

 

Why Isn’t My Home Selling?

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If your home has not sold and you are wondering why,  than there are several areas to look at.  First of all what is the average time on the market in your price range?  Maybe all the homes take as long as yours has already.  If you are beyond the average then look into exactly what your realtor is doing to market your home.  Is your home on the local multiple listing service?  The MLS is a online realtor network that has every home for sale on it.  Realtors can access all your homes information as well as get showing information to schedule a showing with you.  This is the most important marketing there is!

Is your home on the four major websites?  Zillow.com, Trulia.com, Realtor.com, and yahoo.com/real estate all are must haves.   These four sites get most of the traffic with home buyers.  Over 90% of homes sold are found first online.  So it is essential to have your home where the buyers are.

Is your realtor having open houses?  Open houses are important tools to get buyers in the home.  With so many online buyers, a good portion of them are only going to open houses.  This is great opportunity to expose your home.

Lastly if you have a good marketing plan, and your home is still sitting on the markets longer than the average, you need to look at the price.  Pricing is very important in our market place now and you need to price yourself realistically.  Your home is not worth what you think or even what your realtor thinks but only what a buyer will pay for it.  If you have not received an offer than you are overpriced.  You need to reduce your homes price at least 3% but preferably 5%.  Give that price at least 30 days, and if you have not sold it by than then reduce it again.

Good Luck!

 

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