The Sammy Shrimali Team
Sammy Shrimali Remax Aacer Realty
The East Bay Remax Realty
2843 Hopyard #194
Pleasanton, CA 94566

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Ruby Hill California Homes

Ruby Hill California Homes Terms of the Agreement of Sale

If you receive this Booklet before you sign an agreement of sale, here are some important points to consider. The real estate broker probably will give you a preprinted form of agreement of sale. You may make changes or additions to the form agreement, but the seller must agree to every change you make. You should also agree with the seller on when you will move in and what appliances and personal property will be sold with the home.

Sales Price of Ruby Hill California Homes: For most home purchasers, the sales price is the most important term. Recognize that other non-monetary terms of the agreement are also important.

Title of Ruby Hill California Homes "Title" refers to the legal ownership of your new home. The seller should provide title, free and clear of all claims by others against your new home. Claims by others against your new home are sometimes known as "liens" or "encumbrances." You may negotiate who will pay for the title search which will tell you whether the title is "clear."

Mortgage Clause for of Ruby Hill California Homes . The agreement of sale should provide that your deposit will be refunded if the sale has to be canceled because you are unable to get a mortgage loan. For example, your agreement of sale could allow the purchase to be canceled if you cannot obtain mortgage financing at an interest rate at or below a rate you specify in the agreement.

Pests. Your lender will require a certificate from a qualified inspector stating that the of Ruby Hill California Homes are free from termites and other pests and pest damage. You may want to reserve the right to cancel the agreement or seek immediate treatment and repairs by the seller if pest damage is found.

Home Inspection for of Ruby Hill California Homes . It is a good idea to have the home inspected. An inspection should determine the condition of the plumbing, heating, cooling and electrical systems. The structure should also be examined to assure it is sound and to determine the condition of the roof, siding, windows and doors. The lot should be graded away from the house so that water does not drain toward the house and into the basement.

Most buyers prefer to pay for these inspections so that the inspector is working for them, not the seller. You may wish to include in your agreement of sale the right to cancel, if you are not satisfied with the inspection results. In that case, you may want to re-negotiate for a lower sale price or require the seller to make repairs.

Lead-Based Paint Hazards for of Ruby Hill California Homes Built Before 1978. If you buy a home built before 1978, you have certain rights concerning lead-based paint and lead poisoning hazards. The seller or sales agent must give you the EPA pamphlet "Protect Your Family From Lead in Your Home" or other EPA-approved lead hazard information. The seller or sales agent must tell you what the seller actually knows about the home's lead-based paint or lead-based paint hazards and give you any relevant records or reports.

You have at least ten (10) days to do an inspection or risk assessment for lead-based paint or lead-based paint hazards. However, to have the right to cancel the sale based on the results of an inspection or risk assessment, you will need to negotiate this condition with the seller.

Finally, the seller must attach a disclosure form to the agreement of sale which will include a Lead Warning Statement. You, the seller, and the sales agent will sign an acknowledgment that these notification requirements have been satisfied.

Other Environmental Concerns for of Ruby Hill California Homes. Your city or state may have laws requiring buyers or sellers to test for environmental hazards such as leaking underground oil tanks, the presence of radon or asbestos, lead water pipes, and other such hazards, and to take the steps to clean-up any such hazards. You may negotiate who will pay for the costs of any required testing and/or clean-up.

Sharing of Expenses for of Ruby Hill California Homes . You need to agree with the seller about how expenses related to the property such as taxes, water and sewer charges, condominium fees, and utility bills, are to be divided on the date of settlement. Unless you agree otherwise, you should only be responsible for the portion of these expenses owed after the date of sale.

Settlement Agent/Escrow Agent for of Ruby Hill California Homes. Depending on local practices, you may have an option to select the settlement agent or escrow agent or company. For states where an escrow agent or company will handle the settlement, the buyer, seller and lender will provide instructions.

Settlement Costs for of Ruby Hill California Homes . You can negotiate which settlement costs you will pay and which will be paid by the seller.

What are ENERGY STAR Qualified New Ruby Hill California Homes?

ENERGY STAR qualified Ruby Hill California Homes are independently verified to be at least 30% more energy efficient than homes built to the 1993 national Model Energy Code or 15% more efficient than state energy code, whichever is more rigorous. These savings are based on heating, cooling, and hot water energy use and are typically achieved through a combination of:

· building envelope upgrades for Ruby Hill California Homes ,

· high performance windows ,

· controlled air infiltration,

· upgraded heating and air conditioning systems,

· tight duct systems and

· upgraded water-heating equipment.

These features contribute to improved home quality and homeowner comfort, and to lower energy demand and reduced air pollution. ENERGY STAR also encourages the use of energy-efficient lighting and appliances, as well as features designed to improve indoor air quality.

Here are some questions commonly asked about ENERGY STAR qualified Ruby Hill California Homes:

Settlement practices vary from locality to locality, and even within the same county or city. Settlements may be conducted by lenders, title insurance companies, escrow companies, real estate brokers or attorneys for the buyer or seller. You may save money by shopping for the settlement agent.

In some parts of the country (particularly western states), settlement may be conducted by an escrow agent. The parties sign an escrow agreement for Ruby Hill California Homes which requires them to provide certain documents and funds to the agent. Unlike other types of settlement, the parties do not meet around a table to sign documents. Ask how your settlement will be handled.

Ruby Hill California Homes Buying Without An Agent

At the Fool, when it comes to stocks, we encourage individuals to use discount brokers since we have little confidence in the services provided by full-service brokers.

The real estate broker generally takes about 6% of the sales price as a commission. On a $250,000 house, $15,000 in fees ends up going to the broker. So it's natural to ask if there is the equivalent of discount brokers in the world of real estate.

Let's look at what the broker does, and how she's compensated. The broker is essentially a middleman who gets paid for a service. It's commission-based. Fools would do well to wonder why real estate brokers aren't paid a fixed amount rather than a commission, which would very likely result in substantially lower fees. (And -- surprise! -- this idea would not be very popular with the real estate brokerage community.)

How valuable is the service for Ruby Hill California Homes that brokers are providing?

The broker's argument goes like this: "It's the seller that pays that money, not the buyer -- so you're getting the broker's services ABSOLUTELY FREE! Without a broker, you won't find all of the homes available to you, and you may not be informed about all of your rights and responsibilities. Buying a home is a serious endeavor. There are a lot of legal and financial hoops to jump through to buy or sell Ruby Hill California Homes, and you need to know that you have someone on your side. What's more, the real estate agent can help you find and evaluate financing, and steer you toward a good home inspector and settlement attorney."

Now let's look at the counter-argument: Supposing there were no agent in the picture for Ruby Hill California Homes , would the price be $15,000 less for the house? You and the seller could save that money and split it.

No one can predict precisely what that market will do -- it's a bit like asking how many agents... er... angels can dance on the head of a pin -- though it certainly makes sense that the price would be less. Any time you can leave out a middleman, you're going to save money.

However, this is not always practical. It's for that reason that most of us go to retail stores and not wholesalers -- we'd rather buy that pen at Wal-Mart than go to Bic's manufacturing plant and ask if we can buy them direct. The retailer is providing a service (convenience, chiefly) and, for that, we are prepared to pay the markup.

FSBO: Ruby Hill California Homes For Sale by Owner

If you are able to find a house that is for sale by owner, one that you like, which you feel is priced at or below market -- by all means, go for it. It may be that someone you know has decided to sell, or that you've found the place simply by driving through the neighborhood and noticed the sign out front. You may have found the Ruby Hill California Homes through the classifieds in your local paper. You'll need an attorney to step you through the legalities and the paperwork, but you could end up saving a pile of money.

Similarly, if you can find seller-financed Ruby Hill California Homes, where the seller may even be amenable to a rent-to-own situation (wherein the rent you pay goes toward buying the house, if you should decide to buy at a later time), then, again, go for it. The opportunities do exist.

Ruby Hill California Homes