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

Each office is independently owned & operated

Email Us

Phone:
925-215-9595
Fax: 925-215-9595

Serving
Pleasanton
Dublin
Alamo
and a lots more...

IMAGE ISN'T EVERYTHING...QUALITY & SERVICE IS! Now more than ever, in an age of image without substance, quality work and superior service should mean EVERYTHING to you. Sammy Shrimali provides for sellers and purchasers the quality representation they expect and the service they desire in a real estate broker. No gimmicks, no false promises, no hidden agendas, simply hard work and excellent results. Call Sammy today to find out how a real estate broker should be. 925-215-9595

 

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Ruby Hill real Estate Agents

Ruby Hill Real Estate Agents

Processing Your Loan Application by Mortgage Brokers who are  Ruby Hill Real Estate Agents

There are several federal laws which provide you with protection during the processing of your loan. The Equal Credit Opportunity Act ("ECOA"), the Fair Housing Act, and the Fair Credit Reporting Act ("FCRA") prohibit discrimination and provide you with the right to certain credit information.

No Discrimination by Ruby Hill Real Estate Agents. ECOA prohibits lenders from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, the fact that all or part of the applicant's income comes from any public assistance program, or the fact that the applicant has exercised any right under any federal consumer credit protection law. To help government agencies monitor ECOA compliance, your lender or mortgage broker or Ruby Hill Real Estate Agents must request certain information regarding your race, sex, marital status and age when taking your loan application.

Why Do Some Homes Sell Quicker than Others?
 Ruby Hill Real Estate Agents will tell you that they are priced right. Pricing is usually the number one determinant as to how short or how long a home will be on the market.
Obviously, the property has to be priced competitively, but do not set the price based upon what you heard a neighbor received for their home.
Adjacent homes can be radically different. They both may have the same floor plans, but improvements, a more desirable location in the tract, and other seemingly small variations can make a significant difference when it comes to price.
In determining the right price, one of the most important traits you need is objectivity. Homeowners, naturally, have an emotional attachment to their home, and because of their feelings they oftentimes overestimate what their home is worth.
Despite the attachment, try to be practical and logical. Ruby Hill Real Estate Agents can Make a competitive study of recent sales that are comparable to your home. Evaluate price per square foot, age, condition, location, schools, and extras.

Remember, that the value of your home can be impacted by developments that are not yet in place. Is there vacant land nearby? If so, what businesses, or structures will be erected there in the future? Is it a desirable addition to the neighborhood? If there is vacant land, visit the local planning and zoning commissions to see what might be built or, check with a local real estate professional to help you find out what development plans might be in the offing. He or she should also explain the elements that go into pricing and why. And, ask Ruby Hill Real Estate Agents about a CMA (Comparative Market Analysis) and what it means.

Remember, too, that little things can make a big difference once the home has been priced. Cosmetics are crucial. Spruce up the property as much as possible.
A little exterior paint, some new shrubbery, and making sure that the house is always neat and clean can make a tremendous difference. The most important impression is the first-and the first thing buyers see is the exterior. It should look good.

To get an idea as to how price is determined, contact Ruby Hill Real Estate Agents. Ask them to carefully choose an associate who knows your neighborhood.
In today's market, there are buyers-for homes that are priced competitively.
A lack of "action," usually indicates that your property is one of those that has been priced incorrectly. Most important, be objective. Try to look at your property as if you were a buyer going through it. What do you like? Dislike? How does it compare to other properties in the area? Is it worth more? Less?
Answer those questions objectively and you will not only be on the way to pricing your home correctly . . . but to selling it too.

The Ruby Hill Real Estate Agents is the wisest investment you can make because it can help you avoid mistakes down the road.