Red Flags Buying a Home

Construction Loans

Program Summary* One single loan to fund the purchase or refinance of a lot and the costs of building your home. For traditional built or modular home, or install of a new manufactured** home (**FHA or VA only) on a fee simple building site. Program Details* Must be a single family residence and owner occupied Can be a second home when using the conventional loan product Conventional, FHA or VA financing Works with lot purchase or existing land No need to re-qualify Gifts or land equity allowed for down payment *All information stated is subject to change without notice. Program guidelines are subject to FHA, VA and FNMA guidelines. 02/17

C.G. Caroline Gerardo Barbeau Loan Officer NMLS #324982, CA Office: 208-854-7904 Mobile: 949-784-9699 eFax: 855-833-4303 949 South Coast Dr. Suite 240 Costa Mesa, CA 92626 CarolineGerardo@eaglehm.com carolinegerardo.eaglehm.com Construction Loans from America's Biggest Home Builder Eagle is a Lennar Corporation Entity Call and let's talk Plans Specs Cost Breakdown Contractor License and experience How long to get through planning department? How to Avoid change requests How to order materials on time How to secure the site How to build your dream home quickly and exactly

Northern California Housing Inventory

Housing Inventory Snapshot		October 31, 2017
	Average List Price	30 Days Trend	Median List Price	30 Days Trend	Average DOM: active/sold	30 Days Trend	Number of Listings
Santa Clara County, CA
Single Family under $1M	$821,497	-1.30%	$849,000	-1.28%	35 / 19	-2 / -2	197
Single Family over $1M	$3,102,172	0.01%	$1,999,900	0.05%	63 / 14	4 / -9	443
Condo/Townhome under $600K	$473,946	-3.16%	$490,000	-1.80%	24 / 9	11 / 2	34
Condo/Townhome over $600K	$1,036,499	1.51%	$950,000	2.37%	20 / 12	-1 / 1	81
San Mateo County, CA
Single Family under $1M	$835,978	-0.50%	$869,126	2.37%	26 / 17	0 / 5	56
Single Family over $1M	$4,765,785	4.71%	$2,750,000	19.57%	76 / 17	16 / 4	288
Condo/Townhome under $600K	$479,406	-8.08%	$450,000	-9.82%	19 / 8	-48 / -2	14
Condo/Townhome over $600K	$1,168,375	10.22%	$995,000	8.39%	35 / 18	1 / 5	56
Santa Cruz County, CA
Single Family under $1M	$711,075	-2.17%	$719,000	-4.01%	60 / 29	10 / -1	162
Single Family over $1M	$2,199,386	6.34%	$1,500,000	0.07%	104 / 41	15 / 9	146
Condo/Townhome under $600K	$386,829	-6.32%	$384,900	-11.52%	49 / 4	-15 / 1	27
Condo/Townhome over $600K	$796,052	-7.80%	$699,000	-6.79%	106 / 63	-10 / 57	33
Monterey County, CA
Single Family under $1M	$606,516	-1.53%	$555,000	-2.55%	66 / 55	-1 / 50	337
Single Family over $1M	$3,590,762	-0.39%	$2,295,000	2.23%	157 / 50	11 / -82	345
Condo/Townhome under $600K	$384,393	-1.63%	$390,000	0.26%	58 / 55	-5 / 55	30
Condo/Townhome over $600K	$911,183	-6.43%	$825,000	6.45%	110 / 24	30 / 23	37
Alameda County, CA
Single Family under $1M	$699,765	0.09%	$699,000	-0.14%	32	2	536
Single Family over $1M	$1,992,214	6.97%	$1,495,000	-0.27%	51	4	292
Condo/Townhome under $600K	$475,378	-1.29%	$475,000	-3.24%	25	-5	98
Condo/Townhome over $600K	$791,230	4.05%	$745,000	-0.10%	27	-6	98
Contra Costa County, CA
Single Family under $1M	$617,996	-3.09%	$598,500	-4.24%	53	2	1918
Single Family over $1M	$3,269,796	2.32%	$1,993,400	4.92%	96	11	1721
Condo/Townhome under $600K	$406,930	-4.49%	$409,000	-5.98%	38	2	304
Condo/Townhome over $600K	$981,120	0.79%	$869,000	2.36%	48	5	324

Hepatitis A Solutions for California

The death toll for Hepatitis A is now at twenty people with more than five hundred infected in California. (as of October 31, 2017)
Three in one hundred homeless persons have the infection which is passed by fecal
material on hand contact in poor sanitary conditions. The virus is not "curable" but there
is medication to survive an infection. Homeless persons have less access to healthcare and sanitary conditions, cities with large homeless populations are seeing the highest numbers of infections. San Diego, Santa Cruz, Los Angeles and anywhere it's warm and we have relaxed police policies we will see a huge increase in the numbers of deaths and infections in the coming 2018 year

If you live near or next to homeless camps or homeless persons living on the street you must be extra vigilant about washing your hands with hot water and soap and shake after fifteen times to air dry before eating, after going to public places and before going to sleep. Practice not touching or itching your face. Consider getting the vaccine.

This epidemic isn't being covered by the news. Perhaps the story is not that interesting. 

Items you may consider giving to homeless persons: disinfectant wipes, 
find out where hepatitis A vaccines are being given for free and make a flyer, 
make camping washing stations from milk jugs and put nails in the lid to allow water to spray and a roll of paper towels and liquid soap.
What else can we do?

Fixing the homeless situation is a larger problem. 
We could build simple structures from metal containers, cut out welded windows and doors, add insulation and a shade roof. These could be made into simple mobile homes that are set up on land with community showers and community kitchens. The cost to construct per unit is $19000 cost to rehab a building or build the community building with concrete shower stalls $120000.

All I need is the land and the money to start construction...