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With regards to security, I think you have to watch out for the recently build communities where there are plenty of vacant homes. This is going on in Sacramento and around Detroit where people break into vacant homes and also the non-vacant homes around them since it is like a ghost town...

Master - i sent you a message. Did not get a response. Let me know. Much Appreciated. thanks.

I am already locked but I think that I got a pretty good rate - 6.5% for a jumbo loan zero points - but I did have to put 25% down. I am going to close in two weeks so I do not want to mess around. However, I am told that mortgage rates have been going lower. Does anyone know what type of...

Yes - the key question is how big is that gap in own versus rent $$. I didn't plan to buy until later this year or if I can pick a place for 35% off their peak in selective places. However, we think we got a place 22% down from peak and have more to go but we love the place and believe...

Skek, I can understand why he is asking. Even though I am about to close my escrow soon, I am still curious about what others think. I am a first time buyer so that could be the reason why. Nonetheless, it is simply human nature to just always wonder and think about "if, coulda, woulda, and...

I agree. Congratulations catchme. I am also buying a place so I know how you are feeling. I am getting a lot of weird and blank stares from relatives and close friends when I tell them that I am buying a place. The funny thing is that I am the same one who told them to not buy a place two years ago.

Does this mean that the company hasn't paid its HOA? Wow. it would be nice to go and get this place for $7k. However, I figured that the bank will be at the auction to defend their mortgage. If you buy this at an auction do you still on the hook for the mortgage?

First time home buyer here so I need to buy some home insurance. I am honestly confused about how much is needed. Also, what should I watch out for? Any particular insurance company is best in terms of value/performance? Also, of course, we can also add auto insurance to get a multiline discount..

Thank you everyone. I am hoping that one day my estate will exceed $1mm one day. I do not know what is a living trust and will look into it. Anyways, at the end of the day, community property appears the way to go since you get the step in basis when I die. However, can anyone...

Which is better for a new buyer? Joint Tenancy? Community Property? Community Property with survivorship rights? What is better from a legal standpoint and for a tax standpoint? Under the assumption that we are married and in California and if I passed away, I want my wife to get the best...

i do not know coriander that well but this looks like a condo. Doesn't it look over priced? Or is this a very nice area?

Awgee, Thank you. Does this mean that if you borrow $150k on a HELOC - only interest on the first $100k is tax deductible but the other $50k is not? I read elsewhere, that the IRS looks at it on an aggregate level 1st lien and HELOC - that tax is deductible for loan amounts totaling $1mm or...

Thank you Irvine Renter. Are HELOC interest tax deductible assuming you qualify?

I meant to say, tracks fed funds or fed funds target?

Anyone know how prime rates are determined and how does it tract Fed Funds or Fed Funds Target?

Nude, What do you think of Alltel? Don't you think VZ's new spectrum will give Alltel a run for their money in the rural areas?

U-C-L-A UCLA fight fight fight! Go bruins!

What do you think of fieldstone homes located in turtle rock - concordia west. are they well built? what would you look for in a home inspection?

U-C-L-A - Go Bruins! No homes going into escrows today?