12.07.2015 Views

02/03/2011 - The Independent

02/03/2011 - The Independent

02/03/2011 - The Independent

SHOW MORE
SHOW LESS

Create successful ePaper yourself

Turn your PDF publications into a flip-book with our unique Google optimized e-Paper software.

LEGAL NOTICES/CLASSIFIEDSwww.independentnews.com<strong>The</strong> <strong>Independent</strong>, FEBRUARY 3, <strong>2011</strong> - PAGE 11SELL YOUR USED CARHERE. Call Richard at925-243-8000 or go to www.independentnews.comPay by Credit Card for anyClassified or Display ad.EMPLOYMENT56) ADULT CARECAREGIVERSNEEDED for elder care.Light housekeeping errandstransportation mealprep personal care. Pleasefax resume925 371-811860) BUSINESS OPPORTUNITYBE WARY of out of areacompanies. Check with thelocal Better Business Bureaubefore you send any moneyor fees. Read and understandany contracts before you sign.Shop around for rates.A L L C A S H V E N D I N GROUTE! Be Your Own Boss!25 Machines + Candy All for$9995. Vend3, 800 GrandBlvd., Deer Park, NY. 1-877-915-8222. Major CCaccepted! (CAL*SCAN)71) HELP WANTEDINDEPENDENTCONTRACTORS WANTEDfor Senior Home HealthCare Must HaveExperienceSenior Solutions, Inc.925 443-3101ABLE TO TRAVEL. Hiring8 people. No experiencenecessary. Transportation& lodging furnished. Paidtraining. Work and travelentire USA. Start today. www.ProtekChemical.com 1-208-590-<strong>03</strong>65. (CAL*SCAN)ATTN: COMPUTER WORK.Work from anywhere 24/7. Upto $1,500 Part Time to $7,500/mo.. Full Time. Training provided.www.KTPGlobal.com or call 1-888-304-2847.(CAL*SCAN)MEDICAL ASSISTANT.Learn on the job. Good pay/benefits, 30 days vacation/yr,$ for school. No experienceOK. HS grads ages 17-34.Call Mon-Fri 1-800-345-6289.(CAL*SCAN)TO PLACE A CLASSIFIEDADcall Richard 925 243-8000or go on-line atwww.independentnews.com Pay by Credit Card forClassified and Display Ads.72) HELP WANTED/DRIVERSCompany Drivers (Solos& Hazmat Teams) *GREATPAY * GREAT MILES * CDL-A Required. We also havededicated & regional positionsavailable. Call 866-789-8947.Swift (CAL*SCAN)17 DRIVERS NEEDED! Top5% Pay! Excellent Benefits.New Trucks Ordered! NeedCDL-A & 3 months recentOTR. 1-877-258-8782. www.MeltonTruck.com (Cal-SCAN)Company Drivers (Solos& Hazmat Teams) *GREATPAY *GREAT MILES *CDL-A Required. We also havededicated & regional positionsavailable. Call: 866-448-1055SWIFT. (CAL*SCAN)CLASSIFIEDS**************Reaches33,000 HomesDirect mailtoLivermore, Dublin,Pleasanton & SunolCall Richard925 243-8000MERCHANDISE115)ESTATE/GARAGE/YARD SALESRAIN OR SHINE!Call Richard925-243-8000 or go to www.independentnews.com before8am Tuesdays to get yourad in for the next edition.ESTATE SALE1308 Hillcrest Ave in Livermoreoff East Avenue.Friday-Saturday, 9-3 pm.Ben Aiken, Local Artist,Paintings, Sculptures,Mid-Century Furniture,Collectible Glassware, andmuch more.118) FREE/GIVEAWAYGOT OLD JUNKFREE/GIVEAWAYSECTIONCall 925 243-8000 Richard125)HOUSEHOLD GOODSPlace your household itemshere for sale. Call Richard925 243-8000 or go on-lineat www.independentnews.com Pay by Credit Card forClassified and Display Ads.127) LOST/FOUNDLOST or FOUND AN ITEMFREE SECTIONCall Richard 925 243-8000130)MISC. FOR SALESHARI’S BERRIES - Mouthwateringgourmet strawberrygifts fresh for your Valentine!100% satisfaction guaranteed.Delivered nationwide.SAVE 20% on Dipped Berries!Visit www.berries.com/berries or Call 1-888-9<strong>03</strong>-2988. (CAL*SCAN)VONAGE Unlimited Calls inU.S. & 60 Countries! NO AN-NUAL CONTRACT! $14.99For 3 Months! <strong>The</strong>n ONLY$25.99/mo. Plus FREE Activation.Call 877-881-2318.(CAL*SCAN)135)PRINTERS/MISC1 Used Epson FX-1170Wide-Carriage Printer inWorking Condition$50 OBO6 Ribbons $12Two Mobile 4-Level PrinterStands. $25 ea. OBO3/4 Box 3 Across Labels$20 OBOPAPER1 Small 8 1/2 x 3 1/2 7000ctsz 1 $151 1/2 Box 9 1/2 x 11 2300ct$201 Box 14 7/8 x 11 $30Call Richard925 447-8700140)WANTED TO BUYWANTED DIABETIC TESTSTRIPS. Cash Paid. Unopened,Unexpired BoxesOnly. All Brands Considered.Help others, don’t throwboxes away. For more information,Call 888,491-1168.(CAL*SCAN)NOTICES/ANNOUNCEMENTS155)NOTICES“NOTICE TO READERS:California law requires thatcontractors taking jobs that total$500 or more (labor and/ormaterials) be licensed by theContractors State LicenseBoard. State law also requiresthat contractors include theirlicense numbers on all advertising.Check your contractor’sstatus at www.cslb.ca.govor 800-321-CSLB (2752).Unlicensed persons takingjobs less than $500 muststate in their advertisementsthat they are not licensed bythe Contractors State LicenseBoard.”REAL ESTATE<strong>The</strong> Federal Fair Housing Act,Title VII of the Civil RightsAct of 1964, and state lawprohibit advertisements forhousing and employmentthat contain any preference,limitation or discriminationbased on protected classes,including race, color, religion,sex, handicap, familial statusor national origin. IVPC doesnot knowingly accept anyadvertisements that are inviolation of the law.157)APT/DUPLEX/HOUSE/RENTALSGOT A HOUSE FOR RENT?Let the 33,000 households/businesses that receive <strong>The</strong><strong>Independent</strong> know about it.To place an ad go to www.independentnews.comor callRichard at 925 243-8000160)BOAT/RV and RETAILLOOKING FOR RETAILORSTORAGE SPACE?Great Location Off Hwy 580On Kitty Hawk RoadFor Details Email:Pmatharu@lagmail.net162)HOMES FOR SALEBy advertising with <strong>The</strong> <strong>Independent</strong>you reach over33,000 homes and businesseswith your message.To place an ad, call Richard925 243-8000165) HOUSE/ROOMS/RENT-ALS TO SHARERENT YOUR EMPTY LIV-ING SPACE Advertise with<strong>The</strong> <strong>Independent</strong> rand reachover 33,000 homes and businesseswith your message.To place an ad, call Richard925 243-8000172)LOTS & ACREAGE/OUTOF STATEBy advertising with <strong>The</strong> <strong>Independent</strong>you can reachover 33,000 homes and businesseswith your message.To place an ad, call Richard925 243-8000EVERYTHING MUST GO!$1,000 an acre. Priced lessthan the developer paid. 90minutes north of Phoenix. 36acres with electric, reducedto $36,000. Private peacefulsetting, breathtaking mountainviews, abundant wildlife.Financing available. SaddleCreek Ranch by AZLR. 1-888-690-8271. (CAL*SCAN)RUIDOSO, NEW MEXICOAREA - 5 acres w/city waterand city maintained roadsnear small fishing pond andgolf course. Only $19,900.Financing avail. Call NMRS 1-888-791-6136. (Cal-SCAN)SERVICES177)BUSINESS SERVICESADVERTISING-BEST KEPTSECRET. A business cardsized display ad.140 California communitynewspapers.Reach 3 million+ Californians.Cost$1,550. $1.33cost per thousand. Freebrochure(916)288-6019;www.Cal-SDAN.com(CAL*SCAN)180)HEALTH/MISCHIP REPLACEMENT SUR-GERY: If you had hip replacementsurgery between2005 -present and sufferedproblems requiring a secondrevision surgery you may beentitled to compensation.Attorney Charles Johnson 1-800-535-5727. (Cal-SCAN)185)SCHOOLS/EDUCATIONHIGH SCHOOL DIPLOMA!Graduate in 4 weeks! FREEBrochure. Call Now! 1-866-562-3650 ext. 60 www.S o u t h E a s t e r n H S . c o m(CAL*SCAN)ATTEND COLLEGE ONLINEfrom Home. *Medical, *Business,*Paralegal, *CriminalJustice. Job placement assistance.Computer available.Financial Aid if qualified.SCHEV certified. Call888-210-5162 www.Centura.us.com (CAL*SCAN)1 9 0 ) T I M E S H A R E S / R E -SORTSSELL/RENT Your TIME-SHARE for CASH!!! OurGuaranteed Services will Sell/Rent Your Unused Timesharefor CASH! Over $95 MillionDollars offered in 2010! www.SellaTimeshare.com (877)554-2098 (CAL*SCAN)What Can You BuyFor $800,000?By Cher WollardJumbo and super-jumbo mortgages – the kind needed for purchasinghigher priced homes – are available again, and at reasonableinterest rates.A couple of years ago, jumbo financing was just about extinct.But lenders are slowly moving back into that market, althoughguidelines are tougher. Borrowers must have secure sources ofincome, excellent credit and large down payments.Jumbo mortgages are loans made for more than the “conforming”limit. In most parts of the country, that limit is $417,000. FortunatelyCongress recognizes that regions such as the Bay Area have higherhousing prices, so raised the ceiling for certain high-cost areas.In Alameda County, where “conforming” means up to $729,750,jumbo loans are for any amount over that. Given that borrowersmust bring large down payments to get these loans – usually 20-30percent, but sometimes as low as 10 percent – the minimum salesprice would be $800,000-$900,000.While conforming mortgage rates currently are at or below the 5percent mark, jumbo rates are about 1 point higher. Still, 6 percentfor a jumbo rate mortgage is historically low, meaning paymentswill be lower and more buyers can qualify.So what can you purchase in the Tri-Valley in that price range?Quite a lot, as it turns out.Some of the real estate deals at the upper end are distress sales,just like at other price points. But that is certainly not so in allcases. Prices have fallen in recent years, but buyers in the upperprice brackets tend to have larger down payments, so even if theylose equity, they are less likely to be “short.” And that’s good newsfor buyers.L i v e r m o r eHomes in the $800,000s in this city tend to be big and beautiful.Of the 13 properties in this range available early this week, mostare newer construction in South Livermore. Typical is a 3500-sq.-ft.home on 12,000 sq.ft. in the Vinsanto development off of ConcannonRoad. Built in 20<strong>02</strong>, this home boasts cherry wood floors, luxefinishes and a mini-vineyard for $859,000.However, there are also custom homes, such as the 4-bedroom,3-bath home on one-third acre on Frederick Michael for only$899,000. This house features a large master retreat with fireplace,glass-block shower and walk-in closet.A few similar homes can be found in North Livermore, such asa brand-new 3377-sq.-ft. two-story on Orchid Place that the builderhas reduced $75,000 to $849,000. This property includes a secondmaster ideal for in-laws or au pairs.Downtown you’ll find a charmingly updated Victorian withperiod moldings and finishes. This four-bedroom home on a biglot is priced at $899,000.If that’s not your style, you might like the geodesic dome onfive acres on Dyer Road, also $899,000. Or the great potential oftwo adjoining lots and a small mid-century home on Bess Road,priced at $889,500.This price range includes a few bank-owned properties. Takea look at the 5-bedroom, 5-bath Prima home that sold in 2007 for$1.25 million and is now priced at $829,000.PleasantonSeven homes in Pleasanton fit this price point. <strong>The</strong>y are:• A 2500-sq.-ft. house on a large lot in Pleasanton Heights at$815,000• A brand-new 2900-sq.-ft. home in Ponderosa Village at Ironwoodwith solar paneling and a tankless water heater for the sameprice• A beautifully landscaped home in Kottinger Heights for $5,000more• A two-story Birdland home for $854,000• A single-story in Golden Eagle• A lender-approved short sale in Ponderosa, with a pool andspa, priced at $885,000• A contractor’s special in Downtown Pleasanton. <strong>The</strong>re is currentlya 910 sq.ft. cottage on the property, but architectural drawingsare available for six live/work units.DublinIn Dublin, this price point offers six large homes, all newer construction,most in Dublin Ranch, mostly on small lots.<strong>The</strong>y range from a brand new 3<strong>03</strong>0-sq.-ft. Toll Brothers home inDublin Ranch with just a bit of a yard for $827,585 to a 6-bedroombank-owned property with more than 3800-sq.ft. that needs repairsfor $829,900.Others include:• A home built in 2008 with four bedrooms and den on a largelot priced at $859,900• A 3100-sq.-ft. potential short sale priced at $805,000• A brand-new home in Maranello with a first-floor guest suitefor $810,798• A 4-bedroom Dublin Ranch home with great views priced at$895,000.Of course, there are plenty of other homes for more than $900,000,that jumbo financing would allow the right buyer to purchase.If one of these homes – or any other – is in your future, contactyour Realtor today, while prices and interest rates remain low.HUD Extends Anti-Flipping Waiver<strong>The</strong> Federal Housing Administration this week extended thewaiver on anti-flipping rules until January 2012.<strong>The</strong> Department of Housing and Urban Development previouslyprohibited FHA from insuring mortgages on homes that were ownedby the seller for less than 90 days. This rule was designed to discouragethe “flipping” of properties, in which speculators would purchaseproperties and then quickly resell them at higher prices.With home sales depressed in much of the country, the governmentlast year issued a one-year waiver of the rule so as not todiscourage the resale of foreclosed homes. That waiver has beenextended another year.“As I noted when we first announced this policy change early lastyear, because of the tightened credit market, FHA-insured mortgagefinancing is often the only means of financing available to potentialhomebuyers,” said FHA Commissioner David H. Stevens.”Today I can report that this policy change has been effective.Since the original waiver went into effect on last February, FHAhas insured more than 21,000 mortgages worth over $3.6 billion onproperties resold within 90 days of acquisition.”To protect borrowers against predatory practices, certain limitationsapply:• All transactions must be arms-length, meaning the buyer, sellerand agents must not be related.• <strong>The</strong> property must not be the subject of previous flipping.• If the sales price of the property is 20 percent or more abovethe seller’s cost of acquiring it, the lender must meet certain controlledconditions.• <strong>The</strong> waiver does not apply to the Home Equity ConversionMortgage (HECM) for Purchase program.Cher Wollard is a Realtor withPrudential California Realty, Livermore.

Hooray! Your file is uploaded and ready to be published.

Saved successfully!

Ooh no, something went wrong!