FHA

Garage Conversions:

There are always questions regarding garage conversions, with FHA loans. Here is an updated stance from FHA. Hope this helps:

• If a garage was converted without a permit:
• The appraiser must show the value as a garage, not as a converted room
• The appraiser must estimate the cost to cure for re-conversion back to a garage
• The appraiser must indicate that it was completed in a workmanlike manner
• The lack of car storage is not prohibited by local ordinances.
• The garage is ineligible if it represents illegal use and illegal zoning.

From: Steve Guenza, Mortgage Adviser, MLO # 244611, 707-765-4453 Office

Sonoma County Tax Auctions

The tax auctions come up every two years in August. They just had one this past August. Notices of properties for sale are put on their website in June. So the next time to look is June 2014: http://www.sonoma-county.org/tax/ Look on the left side navigation; mouse over “Property Taxes” and a drop down menu will allow you to select “August 2012 Auction.” This is where to look for new sales.

Country Property Resources

Soils test:
Farmecology Labs
http://www.farmecologylabs.com
701 Hwy. 175
Hopland, CA 95449
Phone: (707) 744-1191

Septic installation:
Jim Rong 707-287-1322


Septic System Analysis
Mike Treinen
Onsite Wastewater Consultant
707-526-0872

Septic Pre-perc test, soil and site analysis and groundwater analysis:
Always Engineering
2360 Professional Drive
Santa Rosa, CA 95403-3016
(707) 849-6406







Viticulture Consulting and Services:
Berg Vineyard Consulting
(408) 209-0575 

Clarbec dba Madrone Vineyard Management - vineyard analysis
707-996-4112


Wells
Ray's Well Testing - well analysis
707-823-3191


Water Testing
Analytical Sciences - well water analysis
707-760-3128

Modular Home Resouces

Use the CAR "Manufactured Homes" forms.

Use "Madeline" at Fidelity.

If seller offering low commission, put increased commission on an addendum to the purchase agreement.

If representing a buyer on a FISBO use the “Single Party Compensation Agreement”form to represent both sides. And put “Seller to pay $5,000 to CBDA to represent both buyer and seller” in #6 Other Terms.

Or use the “Buyer Representation” form and put in the amount the buyer will have to pay to the selling office (min. $2,500.)

Pest Inspector: D & R 773-3550 $250

Home Inspector: Pacific Inspection Service, Eric Marsh 310-0206 $400

Agent Referrals

Silicon Valley
Susan Fustman, Coldwell Banker, furstman@earthlink.net 650-529-2033.

Loan Look Up Sources

Fannie Mae

Freddie Mac

HAMP participants lookup

HUD properties, FHA insured properties that reverted to HUD who is selling them.

RASS form

The HAFA Short Sale Agreement form

A great page of Fannie Mae HAFA forms

More great HAFA forms **** Best site for RASS, ARASS and SSA ****

Vendors

• A&A Signs, Mark. 2405 Laurel St., Napa 94559 707-225-4200 email: AAASignsNapa@yahoo.com The people who do the Coldwell Banker agent name sign riders.

• North Bay Corporation 707-585-5222 debris box rentals, jobsite cleanup, will empty a foreclosed property and recycle what they can.

•  Floor plan creation service: http://www.homedepotmeasures.com/realestate.html $99 0-3,000 square feet.

• Gillware Inc.Data Recovery (877) 624-7206 http://gillware.com/  
• Sculptural Gates: 707 938-1127 http://www.sculpturalgates.com/
• Junk removal - Junk King www.junk-king.com Takes everything except hazardous waste

 Architects:

• Adrian Martinez: http://adrianmartinez-architect.com/
• Craig Henritzy: http://www.sfgate.com/bayarea/article/Follow-the-sun-Berkeley-architect-Craig-2526291.php 

 Landscape Architects: 

• Regina Rollin of Rollin Landscape Design -- 707 694 7922 or reginarollin@yahoo.com. She did Winnie & Bob's yard. Very nice!  

  Attorney:

  • Dickenson Peatman & Fogarty - Paul Carey attorney regarding title, boundaries, etc. issues: pcary@dpt-law.com 809 Coombs Street, Napa, CA 94559 707-252-7122

• Mike Fallon, phone (707) 546-6770. His assistants name is Merla. (a kick-butt bankruptcy attorney in Santa Rosa)

• Bernheim & Richard J. Hicks. (707) 528-7555 90 S E St # 200 Santa Rosa, CA 95404. (worked with Bergers; very good)

 

• Civil Engineer for perc tests in Napa : Mike Mulrath
  Applied Civil Engineering
  2074 W. Lincoln Ave.
  Napa, CA  94558
   707-320-4968   

•  Wells

  • Nick Brasesco owner of Ray's Well Testing Service 707-823-3191 rayswelltesting@gmail.com www.rayswelltesting.com Young guy, smart as a whip!
  •  Dave Bess 707-253-0574 Older guy, been around the block a few times,  has seen everything! Well respected in the Napa County offices.
   
  LENDERS 
   
  • Susan Reber
  • Brooks Rhump
  • Rick May - Reverse Mortgage Specialist Rmay602@gmail.com 707-321-3424 direct 707-217-2221 cell. First Priority Financial, Inc.