Realtor & Loan Officer

 

  我是全職房地產經紀。如果您還有任何貸款 灣區房地產問題 請聯繫：408-386-1530 電郵: kattyrealtor@gmail.com Wechat: katie_w0 DRE#: 02032778 NMLS#:1494343 Googain Inc. dba MaxReal Website:  https://www.kattyrealtor.com/

  我是全職房地產經紀。如果您還有任何貸款 灣區房地產問題 請聯繫：408-386-1530 電郵: kattyrealtor@gmail.com Wechat: katie_w0 DRE#: 02032778 NMLS#:1494343 Googain Inc. dba MaxReal Website:  https://www.kattyrealtor.com/

We wish you a very Happy New Year! May the new year bring you health, wealth, and happiness.

  美聯儲將從 1 月開始每月減少 300 億美元購買國債和機構房屋貸款支持證券 Source:  https://www.housingwire.com/articles/federal-reserve-accelerates-tapering-program/ 美聯儲宣布將從 1 月開始加速縮減債券購買規模。         美聯儲聯邦公開市場委員會表示，“鑑於通貨膨脹的發展和勞動力市場的進一步改善”，它將減少 每月購買 200 億美元的國債和 100 億美元的機構房屋貸款支持證券的步伐。         這意味著在 2022 年 1 月 14 日，負責購買的紐約聯邦儲備銀行交易台將購買至少 400 億美元的美 國國債和至少 200 億美元的機構房屋貸款支持證券。 對於機構 MBS，購買將繼續集中在即將公佈 的市場上最近產生的 30 年和 15 年固定利率的票息。         高盛在周三的一份報告中表示，如果 FOMC 在 1 月會議上不改變縮減的步伐，縮減將在 3 月結束。         自 2020 年 3 月美聯儲主席杰羅姆·鮑威爾 (Jerome Powell) 宣布此舉以應對冠狀流行病以來，交易 台一直在購買房屋貸款支持證券和美國國債。         去年 11 月，逐步縮減開始是每月減少 100 億美元的國債購買量和 50 億美元的機構房屋貸款支持 證券，這意味著美聯儲將在 2022 年加速縮減。         聯邦公開市場委員會在其準備好的聲明中表示，預計淨資產購買的步伐也會出現類似的放緩，但 已準備好根據經濟前景的變化進行調整。         “美聯儲持續購買和持有的...

 

Fannie Mae tightens standards on investment properties

California’s system of property taxation under Article XIIIA of the state Constitution, commonly referred to as Proposition 13, values property at its 1975 fair market value with annual increases limited to the inflation rate, as measured by the California Consumer Price Index, or 2%, whichever is less. Subsequently, real property is reappraised for tax purposes only when: A change in ownership occurs New construction is completed New construction is unfinished on the lien date (January 1) Market value declines below Proposition 13 factored value on the lien date. (ref. Art XIIIA of the State Constitution, R&T 51) If none of these things occurs, the assessed value of a property should increase by no more than 2% per year. The law provides that the sales price of the property is presumed to be its market value unless the Assessor can demonstrate through market or other evidence that the sales price does not accurately reflect market value. The Assessor must also adjus...

When a sale or transfer of a property is recorded with the county recorder it is the responsibility of the new owner to complete the Preliminary Change of Ownership (PCOR). Buyers customarily complete this form in escrow. The PCOR is a two page questionnaire requesting information on the property, principals involved in the transfer, type of transfer, purchase price and terms of sale, if applicable, and other such pertinent data. One of the many reasons the county assessor needs this information is to verify the eligibility for tax relief under Revenue and Taxation Code Section 69.5. Originally passed as Proposition 60 and 90 these constitutional tax initiatives provide tax relief by preventing property reassessment when a person, age 55 or older, sells his/her existing residence and purchases or constructs a replacement residence of equal or lesser value than the original property. How Do These Tax Initiatives Work? When a person, age 55 or older, purcha...

Reminder: To avoid a penalty the first installment must be paid by December 10th and second installment by April 10th. Dec 10 due is the 1st Installement due that covers for July 1- Dec 31 tax period. Apr 10 due is the 2nd Installement due that covers for Jan 1- June 30 tax period. Remember to include your APN/ property address in the memo of your check, this is how the county recognizes your property. Note. For the home buyers that recently bought the home, remember to check on the county property tax website to see if any supplemental tax billed. 我是全職房地產經紀。如果您還有任何貸款 灣區房地產問題 電郵: kattyrealtor@gmail.com Phone: 408-386-1530 Wechat: katie_w0 DRE#: 02032778 NMLS#:1494343 Googain Inc. dba MaxReal Website: https://kattyrealtor.blogspot.com/

利率這幾天有往下降。 很多客戶都很關心什麽時候是做refinance 的好時機。其實利率都是一直在升升降降的。 如果有計劃要做refinance可馬上可以聯係我。當文件準備齊全，利率在比較好的時候，我就可以馬上幫您鎖定好利率。 我會根據您的情況，幫您找到最合適您的貸款項目。 不論您是自住房或投資房貸款，refinance/cash out。 任何貸款難題 歡迎打電話給 Katty Wong : 408.386.1530

With San Jose facing a growing crisis over a lack of affordable housing and rising homelessness, the city says it desperately needs more money to fix the problem. But getting enough voters in the nation’s 10th largest city to willingly foot the bill has proven difficult. According to a new survey of more than 1,200 registered voters, a general obligation bond measure aimed at providing housing for homeless residents would be unlikely to clear the two-thirds majority required to pass in 2020. So instead, the city is considering a new real property transfer tax — a tax that is paid by the buyer, the seller or split when a property is sold or ownership transfers, with some exceptions, such as for an inheritance. Unlike a bond measure, such a tax would only require a simple majority to pass. If it goes that direction, San Jose would join a handful of East Bay cities that approved new or amended real property transfer taxes in 2018 — including Berkeley, which named addressing homelessne...

在美國，除了大银行外还有贷款经纪公司专门提供房屋贷款。客戶們在寻求房屋贷款时，大多数人都愿意货比三家，然后选择谁能够提供最低利率的贷款产品。 而房屋贷款经纪(Mortgage Broker)正是在货比多家的基础上为客户获得最佳的贷款产品。 我們提供多渠道全方位的贷款解决方案，熟悉各lender 的guidelines，可以幫客戶抓住更好的利率，更多的优惠更多的先机。 我們提供 一站式服务；客户填写一份1003 Loan Application申请表，不需要自己询问多个贷款方的报价。我們幫你shopping around，省去很多的時間。 我們幫您去查一次的信用度， 在三個月以内就這信用報告都可以用。 如果你自己去找每一家公司做， 找了兩三次信用分數也許就會開始下降。 更多种类的贷款产品选择，利率选择权更强- 通常能够获得比大银行更好的利率和我們的lender credit 可以cover銀行費用。  更有经验， 抵押贷款专家。了解不同的貸款需求，再給以不同的貸款方案。  可以为银行难以批贷的人搞定抵押贷款，例如自雇人士和信用记录不良的人。在别家银行对您说NO的时候，我们依然说YES! 如果还有更多问题，Googain 的贷款专家 Katty Wong 欢迎您來電話询問。 Tel: +1 (408) 386-1530 我是全職房地產經紀。如果您還有任何貸款 灣區房地產問題 電郵: kattyrealtor@gmail.com Wechat: katie_w0 DRE#: 02032778 NMLS#:1494343 Googain Inc. dba MaxReal Website: https://www.kattyrealtor.com/

California Megan's Law website      Next Door  大家可以查查看住家附近的Sex Offender Rigistra. Next door也是一個很好的網頁，可以觀察附近是否有 治安 問題- 包括騷擾，搶劫，偷車 等

The California Conservation Corp released this interactive map.  Here's how you can find out if you live in an earthquake hot zone. https://maps.conservation.ca.gov/cgs/EQZApp/app/ In the website, you can plugged in your home address. The pin indicates where your home sits. 我是全職房地產經紀。如果您還有任何貸款 灣區房地產問題 請聯繫：408-386-1530 電郵: kattyrealtor@gmail.com Wechat: katie_w0 DRE#: 02032778 NMLS#:1494343 Googain Inc. dba MaxReal Website:  https://www.kattyrealtor.com/

Unless you can afford to buy a home with cash, you’ll be paying some interest on a mortgage if you decide to go from being a renter to being a homeowner. Paying interest to a bank is no one’s idea of a good time. The good news, though, is that with the mortgage interest deduction the IRS lets you deduct that mortgage interest from your taxable income when you file your tax returns. Currently you can claim this deduction on mortgages worth up to $750,000. This number was set at $1 million until President Trump signed the new tax law in late 2017. Let's say you borrowed $800,000 against your primary residence and $400,000 against your secondary residence. Both loans were used solely to acquire or substantially improve the properties. Together, the loans add up to $1.2 million, exceeding the $750,000 limit under the terms of the TCJA. You can only claim a mortgage interest deduction for the percentage attributable to the first $750,000 you borrowed. Interest associated with...

Program Details: Self- Employed . Up To $5 Mil.  650 min Credit Score . One Month Bank Statement Program LTV: 75% Purchase/ 70% Refinance Loan amounts: $150,000- $5mln Owner Occupied Transaction/ First time home buyers SFR / Condo / Townhouse Property Types Program Highlight: 👉Rates as low as at 4.5% - 4.75% (floor rate) 👉5/1 ARM, 7/1 ARM, 30YR Fixed, 40YR IO (fixed or adjustable 👉 Minimum 650 FICo 👉No P&L, 4506T, No Reserves, No MI 👉 Self-employed borrowers (we will need to have CPA letter stating the borrower has been self-       employed for at least 2 years or Business License) 👉 Latest month per bank statement/ No non-sufficient funds/ Positive ending balance 👉For the income, we need to have borrower handwritten the amount he/she makes 👉Cash out is unlimited Program requirement: US residents Twenty four (24) month recent mortgage history required Property condition good/ No rural No Reserve funds required No Charge Offs...

Q1 - What is private mortgage insurance? Answer: PMI is an insurance policy you pay for that protects your mortgage lender from financial loss if you stop making your mortgage payments. Note: Your PMI policy insures only your lender against loss; it does not make mortgage payments for you if you're injured or unemployed. Depending on your credit score, your down payment, and several other factors, your lender may require you to have PMI coverage on your mortgage. Q2 - Can I cancel my PMI? What do I need to do? Answer: It may be possible to cancel your PMI policy; but it depends on several factors - including the kind of mortgage you have (conventional, Fannie Mae, Freddie Mac, FHA/VA, etc.), how long you've lived in your home, your payment history, how much equity you have in your home, and several other criteria. Your first step toward cancellation is to submit a written request for your lender to review your loan. Q3 - I've received a bill for my prope...

在美國買房，如果房子是townhome，condo， single family home with PUD， 你就必須加入homeowners’ association。 1. 什麽是HOA？ HOA全称是homeowners' association（房主協會）。 費用為$200-$500/月費。房屋越高档，设施越完善，房主協會費用就會越高。 爲什麽要給月費呢？HOA是用于维持公共区域或公共设施-比如社区景观，游泳池，clubhouse，停车场，健身室，人行道屋顶，公共场地等。HOA费用有助于提升社区居民的生活质量，保护所有人的财产安全和房子的美觀。大家需要注意的是除了每月的费用外，如果修建新的屋顶或房子需要油外墻等， 且HOA的储备金不足以支付时，協会將收取额外的费用。那叫Special Assessment。這個費用將會由所有的住戶同时承担。如果你没按时交HOA费用及罚款，违反了HOA的条例后你的HOA也許會有权利将你的房子进行法拍。 2. HOA CC＆Rs 除了缴纳费用，HOA房主協會还制定了一些规定。所有居民都必须遵守CC＆Rs（公约，条件和限制）。在一幢公寓或联排别墅中，HOA制定的规定可能包括你的房屋可以使用什么颜色的前门，是否允许在外面晾晒衣物，饲养宠物的大小等等。在许多方面，这些规则公寓居民們必须遵循。如果你想要打破这些规定，你必须征得HOA同意。如果在沒有得到同意之下進行，那可能你會收到警告信。 3.買房子時，确保你買的房子没有违反现有的HOA 建築商条例/Litigation 買了個有违反HOA条例的房子是件很透疼的事。不管违反条例是因爲業主本人，或房子本身問題或建築商問題，這你都必須瞭解清楚。 因爲房子如有litigation， 貸款方面可能就沒那麽直接。 4. 查看HOA给你的房子买了哪些保险? 这一点非常重要，如果你买的是个condo/ townhome/single family home with PUD，你需要查看你居住的区域有哪些易发生的灾害，如洪水，地震，火灾，海啸等。再看看HOA 的報告，看他們的保險裏包含了些什麽。 這樣你就能知道保險方面，你該買什麽保險，買多買少等。 5. 查看HOA费用包含了什麽? 每個小区都會有不同的HOA费用。因此你需要和HOA協會确认你的...

各位業主，關於地稅單 大家不要忘記申請自住房 Homeowner's exemption $7000地稅減免的福利哦！ If you own and occupy your home as your principal place of residence, you may be eligible for an exemption of up to $7,000 off the dwelling's assessed value, resulting in a property tax savings of approximately $70 to $80 annually. Eligibility You must be a property owner, co-owner or a purchaser named in a contract of sale. You must occupy your home as your principal place of residence as of 12:01 a.m., January 1 each year. Principal place of residence generally means where: You return at the end of the day Your vehicle is registered You are registered to vote Your mail is delivered A dwelling does not qualify for the exemption if it is, or is intended to be, rented, vacant and unoccupied, or the vacation or secondary home of the claimant. Filing period and exemption amounts For the year in which you occupy the dwelling on lien date (January 1), the full exemption is available if you file by 5:00 ...