Realtor & Loan Officer

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