Lathrop Real Estate, Lathrop California Real Estate, Lathrop Ca Real estate
Lathrop Real Estate, Lathrop California Real Estate, Lathrop Ca Real estate



Lathrop Real Estate, Lathrop California Real Estate, Lathrop Ca Real estate
The Barringer Team in: Broker Agent Magazine

Real Estate FAQs
Q&A Here are some of the most frequently asked questions in real estate. If you have a question that has not been included in this comprehensive list, please e-mail Bill and he will get back to you as quickly as possible.
 
Is there a difference between market value and appraised value?
The main difference between appraised and market value is that the former is an opinion, while the latter is based on a comparative market analysis. A certified appraiser's opinion of property value is based on comparable sales within the last six months with fees ranging from $200 to $300. Lenders require appraisals as part of the loan application process. A comparative market analysis is an estimate of value based on sales of comparable properties, and is usually provided by an agent or broker.

Are property taxes deductible? What about taxes on second homes or investment properties?
Property taxes on all real estate transactions are deductible against current income taxes. Interest and property taxes are deductible for second homes if expenses are itemized. The best advice to follow can be provided by your accountant or tax adviser.

What are, and why do we pay, property taxes?
Property taxes are the annual fees that property owners pay for owning real estate - usually 1.5 percent of the property's current market value, although they are calculated in many different ways. The county or local government uses the money to help fund public services.

What are closing costs?
Closing costs are the fees for services, taxes or special interest charges that surround the purchase of a property. They may include upfront loan points, title insurance, escrow charges, document fees, and prepaid interest. Unless these charges are included in the loan, they are paid at the closing.

What kind of home insurance should I get?
An "all inclusive" policy is standard fare when dealing with home insurance. This type of policy will usually cover claims involving:
-Lightning, wind, storms, hail
-
Fire, explosions, smoke
-Electrical damage and water damage from plumbing
-Heating or air conditioning systems
-Floods

For personal property, homeowners can increase coverage beyond the depreciated value of items such as televisions or furniture by purchasing a replacement cost endorsement. Another option is to purchase an inflation rider, which automatically increases coverage as the property value increases.

Do I need a home inspection?
Absolutely. For example, roof, plumbing, and electrical repairs are major problems and can amount to tens of thousands of dollars or more. Think twice before signing a contract to purchase property "as is."

When is the best time to buy?
Here are some great reasons to buy:
-You need a tax break.
-The mortgage interest deduction can make home ownership appealing.
-You plan to use the property long enough for any appreciation to cover your transaction costs.
-You want to own, not rent.
-You can afford it!

How does one choose between buying and renting?
While homeowners have the freedom to make decisions regarding their property, most renters do not worry about maintenance and other financial obligations associated with property ownership. Homeowners that secure a fixed-rate mortgage, are better able to plan financially because monthly housing expenses will not increase dramatically. This way, wise investments can be made, and, hopefully, yield long-term profits on the initial investment.

However, such returns depend on value appreciation. Aside from maintenance costs, the monies paid to the lender is usually greater than the total amount paid in rent. To determine whether a property is a long-term investment, prospective buyers should spend some time investigating potential communities or neighborhoods.

How do I hire a contractor?
Most people rely on referrals when hiring a contractor, but even in a referral situation the contractor should be subject to a background check. Inquire with the state regarding a licensing board for contractors. Then, call to learn whether any complaints have been filed against the contractor. The Better Business Bureau will also keep complaints on file. Both of these agencies are excellent resources for determining whether a contractor is reliable.

Next, you want to interview all candidates, being sure to ask whether they carry worker's compensation benefits as well as an umbrella general liability policy. If contractors do not have coverage, you could be responsible for worker injuries incurred on your property. Further, obtain the policy number, insurance company name and phone number to verify coverage. Take your time while making this important decision, and never pay a deposit at your first meeting.

How do I determine the price of my property?
The best way to determine the price of a property is to refer to a comparative market analysis, which is a report based on recent sales of comparable properties in your neighborhood. Although the real estate market fluctuates, it is still important to base the list price on current market conditions

The Barringer Team sells homes in the entire central valley including Lathrop Homes | Manteca Homes |  Stockton Homes | Lodi Homes | Turlock Homes | Modesto Homes | Oakdale Homes | Ripon Homes |  Salida Homes | Patterson Homes | Livingston Homes | Galt Homes | Grayson Homes | Atwater Homes |  Madera Homes | Chowchilla Homes | Fresno Homes | Mountain House Homes | Tracy Townhomes |  Mountain House Town homes | Modesto Town homes | Manteca Town homes | Stockton Town homes | Tracy condos | Stockton condos | Modesto condos | Manteca Condos | Tracy land | Manteca land | Modesto land |  Stockton land.



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Bill Barringer, Pat Barringer, Carissa Souza, Brian Barringer,  - Lathrop, California's premier Real Estate Agents with Century 21 - M&M  and Associates Realty, for all your Tracy, California, San Joaquin Valley and the Greater San Francisco Bay Area needs. Links to Tracy, California homes, condos, condominiums, or homesites in these
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