Our Listings
1980 Shea Dr., Pinole, CA Service First Real Estate Short Sale
1980 Shea Dr
Pinole, CA
Great 3/2 needs new owners! Make an appointment today to see this wonderful property. Bamboo floors, beautiful tile and vaulted ceilings accent this home. This home has a nice courtyard that you can access from the dining room or living room. Access to the 2 car garage is from the rear. Imagine the possibilities for this home! 
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37 Nunes Dr.
Novato, CA

Amazing home on a cul-de-sac in the hills of Novato on approx 1.25 acres! Open kitchen w/ built-in appliances and ample storage. Formal dining room has sweeping valley views. The living room has a stunning wood-beam vaulted ceiling. The easy layout is great for entertaining. Level outdoor space - potential for a tennis court, pool & more. 
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7335 Sheffield  Ln.
Dublin, CA

Cute as a button contemporary home in a quiet neighborhood near schools and parks. This home has been lovingly maintained. It has an updated eat-in kitchen, formal dining room, living room with fireplace, 3 nice size bedrooms and 2 bathrooms. The nicely landscaped front & rear yard.
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500 Grove Ave.
Richmond, CA

Built in 2003, this home has an open layout w/ lots of room for everyone! The spacious living room has a wood burning fireplace. The kitchen is open to the dining room. This home boasts 4 big bedrooms w/ good size closets and 2 full bathrooms. Both baths have separate showers & tubs. This home is fully encompassed by a lovely white wrought iron fence. In addition to the 1 car garage, there is off-street parking for at least 4 cars!
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3560 Miflin Ave, El Sobrante-Service First Real Estate Short Sale
560 Miflin Ave.
El Sobrante, CA

Charming El Sobrante home with a great layout waiting for a new owner! This home features a spacious living room w/ real wood burning fireplace, an open kitchen w/ beautiful granite counter tops and lots of storage & a nice size dining room that opens to the yard.  The front yard has beautiful flowering trees, a rose tree and other flowering bushes. The back yard has flowering vines, a delicious lemon tree and wonderful rosemary bush!
Currently pending but contact us to make a back-up offer!
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920 39th Street, Oakland-Service First Real Estate Short Sale
920 39th St.
Oakland, CA

This incredible home has been lovingly cared for and is now available for a new owner! This home has a large entry that flow to the separate living and dining rooms. The main level has 1 nice size bedroom and bath. Also on this level is a small bonus room that would be perfect for an office/study or child's play room. This is a split-level home. Up a short flight of stairs is the master suite. The master suite has a very nice size bedroom and an incredible bathroom with separate shower and tub. There is interior access to the finished basement which contains a utility room, laundry area and bonus room with closet (currently being used as a 3rd bedroom). This home has awalk score of 74! 3 blocks to BART and minutes to 580, 80, 24 and 880. This is a wonderful home.
Currently pending but contact us to make a back-up offer!
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If you are thinking about a short sale, you probably have lots of questions.  Here are answers to some of the most common questions that arise during the short sale process.  If you don't see your questions here, feel free to email us today!

  • What is a short sale?
    A short sale is when your lender agrees to accept less than owed to settle your loan.  The payoff is short to pay the balance in full. 
  • How much does it cost to short sell?
    When you short sell your property, your bank pays all of the transaction costs.  These costs include Realtor commissions, escrow charges, county and city transfer taxes, outstanding property taxes, disclosure report fees and other fees normally paid by the seller at close of escrow.  In certain cases the lender will require the seller to make a contribution to the sale.  This usually happens when there is no true and verifiable hardship experienced by the seller.
  • How long does a short sale take?
    It depends on what type of short sale (traditional versus HAFA), how many loans are on the property and which lenders are involved.  Generally speaking, a short sale takes 90 days to be approved after a complete package (including an offer from a buyer) has been submitted to the lender(s).  The exception to the rule is if there is 1 loan and the lender is Wachovia Bank.  On average, Wachovia Bank approves short sales in 10 days.
  • Can the seller be paid at close of escrow to help with moving expenses?
    In a traditional short sale, the seller is not allowed to receive any compensation from the sale.  If you have 1 loan and it is with Wachovia Bank, then you will receive $5000 at close of escrow.  If you complete a HAFA short sale, then you will receive $3000 at close of escrow.
  • How long do I have to wait to buy a new house after a short sale?
    On October 15, 2010 Freddie Mac announced changes to their underwriting policy that will require most buyers to wait a minimum of 24 months after a short sale to purchase a new home.  Under their new guidelines a select group of buyers (those who's short sale was the result of financial mis-management as oppose to other hardships) will have to wait 48 months.  In the future, all conventional financing with most likely follow a similar standard.  There are non-conventional loans available that will not have this requirement but the rates and terms will be less attractive than prime rate loans.
  • What bills do I have to continue to pay during the short sale process?
    You must maintain the property during the short sale process.  At a minimum, you must keep the utilities on (water, sewer, power, etc.).  If the property is in a homeowner's association, you must pay the HOA dues.
  • How does filing for bankruptcy affect a short sale?
    If you file bankruptcy during a short sale, the short sale process will be put on hold.  The lender will not review a short sale until the bankruptcy has been resolved.
  • Can I do a short sale for investment property?
    Yes.  Anyone that has a verifiable hardship can do a short sale on any type of property.  If your lender reviews your situation and determines that you do not have a hardship, your short sale may still be approved but the lender may require you to make a contribution to the sale.  The contribution may be in the form of a promissory note payable over a 10 year period, interest free or a lump-sum payment at close of escrow.