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Do I really have to read all of the loan documents?

Friday, 12 July 2019 by Gary Kent
Question: “Help! We’re refinancing and have heard there’s hundreds of pages to sign. We’re not speed readers, so there’s no way we’re going to read it all. Any suggestions?” Answer: I agree. When you get a mortgage and are asked to sign a 1.5-inch high stack of papers, you’re not going to read every word. 
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What are “iBuyers”?

Friday, 05 July 2019 by Gary Kent
Question: “Hi, I’ve heard Zillow is going to start buying homes. What’s that about?” Answer: Have you seen those scribbled signs by the side of the road that say, “I’ll buy your home for cash”? Or received one of those letters where they pretend they’re specifically interested in buying your house for cash, but it’s
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What home repairs are the most expensive?

Friday, 05 July 2019 by Gary Kent
Question: “I’ve got a dumb question for you. We’re planning to buy a home and will definitely have a contractor inspect it for us. I know no home is perfect. My question is, how do I know the difference between normal little things that we shouldn’t worry about versus things that are a problem? Will
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Why homeowners insurance is important

Friday, 05 July 2019 by Gary Kent
Question: “You should warn your readers about this… I just bought a property for cash and found out after closing that I had NO INSURANCE! I had told my insurance company well in advance, and assumed escrow would be sure I was insured. But they all dropped the ball. Thanks goodness nothing happened.” Answer: Thank
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How do I find off market properties?

Friday, 28 June 2019 by Gary Kent
Question: “Do you have any homes that are not on the market?” Answer: Yes! Not only do we typically have a handful of “Coming Soon” homes, I often know of other homes before they hit the market. But wait, there’s more… We’ve developed several other sources of homes we use to find just the right
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Are HOA’s allowed to charge for documents?

Friday, 28 June 2019 by Gary Kent
Question: “My HOA management company wants to charge me $700 for the condo documents. That’s highway robbery. Is that even legal?” Answer: I’m no attorney, but in my opinion, that is NOT legal (and is, in fact, highway robbery!). Too many HOA management companies are raking it in and breaking the law in the process.
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How does the Mills Act work?

Friday, 28 June 2019 by Gary Kent
Question: I recently heard of something called the Mills Act, can you tell me more about it and how it works? Answer: Certainly. What is the Mills Act?The Mills Act is property tax reduction for designated historic properties. It will limit changes that can be made to the property. How does a property qualify for
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Is there a downside to value range pricing?

Friday, 21 June 2019 by Gary Kent
Question: “If I sell my home, is there any downside to value range pricing?” Answer: Only one that I know of… Because value range pricing is rarely seen outside of San Diego, none of the national websites support it. They only have a field for one price, not a range. Their work-around is to use
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Can property managers effectively sell properties?

Friday, 21 June 2019 by Gary Kent
Question: “We’re going to sell our rental property and have our property manager list it…” Answer: Hold on a sec! You don’t want a regular real estate “sales” agent trying to manage your property. And you don’t want a property manager trying to sell your property. Even though both jobs require real estate licenses, they’re
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How much do I pay the agent who is showing us homes?

Friday, 21 June 2019 by Gary Kent
Question: We are starting to look for a home but are not sure about using an agent. How much would we have to pay them? Answer: Great question! The answer most of the time is… Zero! Of course, real estate agents don’t work for free. In practice, the seller almost always pays both agents. There
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Tel: 858-457-5368 (KENT)
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