Month: July 2016

SOLD: 813 Palmilla Dr, Modesto 95356

Great property with an open floor plan, large storage area, spacious back yard, RV access…. SOLD ($250,000) BUYER’S LENDER: MARC CARTISANO (Stearns Lending) Have loan questions? Contact Marc [HERE] SEE MY SOLD LISTINGS Poncie & Carol “Real Estate | Investments…

HOMEBUYERS: UNDERSTANDING CLOSING COST* #6

Non-recurring (one-time expense) Closing Cost: “WIRE TRANSFER” Fees. Wire transfers are instantaneous. As a buyer, you may be asked to wire the closing cost (minus the earnest money) to the escrow company.  A wire transfer doesn’t have to cost money.…

HOMEBUYERS: UNDERSTANDING CLOSING COST* #5

Non-recurring (one-time expense) Closing Cost: “NOTARY” Fee.  When signing loan documents, you need an authorized witness, a NOTARY. Typically, this is a buyer expense.  PREVIOUS PAGE: UNDERSTANDING CLOSING COST #4 NEXT PAGE: UNDERSTANDING CLOSING COST #6 *CLOSING COST are different…

SOLD: 1404 Coffee Villa Dr, Modesto 95355

This home features 3 Bedrooms and 2 Full Baths along with a beautifully kept pool…. SOLD ($225,000) BUYER’S LENDER: First Cal Need a loan? Contact one of our trusted lenders [HERE] SOLD Poncie & Carol “Real Estate | Investments |Faith” PMZ…

HOMEBUYERS: UNDERSTANDING CLOSING COST* #4

Non-recurring (one-time expense) Closing Cost: “CREDIT REPORT” Fee.  Mortgage lenders usually review your credit report from all three credit bureaus and obtain scores from each. Consumers typically pay $45 to $55 for this report. PREVIOUS PAGE: UNDERSTANDING CLOSING COST #3…

HOMEBUYERS: UNDERSTANDING CLOSING COST* #3

Non-recurring (one-time expense) Closing Cost: “APPRAISAL” Fee. This fee is usually paid upfront.  The appraisal determines the value of the home.  PREVIOUS PAGE: UNDERSTANDING CLOSING COST #2 NEXT PAGE: UNDERSTANDING CLOSING COST #4 *CLOSING COST are different than your Down…

HOMEBUYERS: UNDERSTANDING CLOSING COST* #2

Non-recurring (one-time expense) Closing Cost: “ESCROW” Fees Typically, the buyer and seller split this fee 50/50. This is paid to the title/escrow company for conducting the closing. The title/escrow company oversees the closing as an independent party in your home…

SOLD: 1917 College Ave, Modesto 95350

Detached guest house with kitchen/living room & bath…. SOLD ($260,000) BUYER’S LENDER: MARC CARTISANO (Stearns Lending) Have loan questions? Contact Marc [HERE] SOLD Poncie & Carol “Real Estate | Investments |Faith” PMZ Real Estate 1230 E. Orangeburg Avenue Modesto, CA 95350…

HOMEBUYERS: UNDERSTANDING CLOSING COST #1

One of your fees as a buyer is “TITLE POLICY”, a Non-recurring (one-time expense) Closing Cost. “Title Insurance” protects real estate owners and lenders against any property loss or damage they might experience because of liens, encumbrances or defects in…