FHA increased loan limits California for 2018

county name, dollar amount increases for

single family maximum loan amount

duplex

three units

four units

ALPINE

CALIFORNIA,  COUNTY

 $         463,450

 $         593,300

 $         717,150

 $         891,250

AMADOR

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

BUTTE

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

CALIFORNIA,  COUNTYLAVERAS

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

COLUSA

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

CONTRA COSTA

CALIFORNIA,  COUNTY

 $         679,650

 $         870,225

 $      1,051,875

 $      1,307,175

DEL NORTE

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

EL DORADO

CALIFORNIA,  COUNTY

 $         517,500

 $         662,500

 $         800,800

 $         995,200

FRESNO

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

GLENN

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

HUMBOLDT

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

IMPERIAL

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

INYO

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

KERN

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

KINGS

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

LAKE

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

LASSEN

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

LOS ANGELES

CALIFORNIA,  COUNTY

 $         679,650

 $         870,225

 $      1,051,875

 $      1,307,175

MADERA

CALIFORNIA,  COUNTY

31460

 $         453,100

 $         580,150

 $         701,250

 $         871,450

MARIN

CALIFORNIA,  COUNTY

 $         679,650

 $         870,225

 $      1,051,875

 $      1,307,175

MARIPOSA

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

MENDOCINO

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

MERCED

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

MODOC

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

MONO

CALIFORNIA,  COUNTY

 $         529,000

 $         677,200

 $         818,600

 $      1,017,300

MONTEREY

CALIFORNIA,  COUNTY

 $         615,250

 $         787,650

 $         952,050

 $      1,183,200

NAPA

CALIFORNIA,  COUNTY

 $         679,650

 $         870,225

 $      1,051,875

 $      1,307,175

NEVADA

CALIFORNIA,  COUNTY

 $         477,250

 $         610,950

 $         738,500

 $         917,800

ORANGE

CALIFORNIA,  COUNTY

 $         679,650

 $         870,225

 $      1,051,875

 $      1,307,175

PLACER

CALIFORNIA,  COUNTY

 $         517,500

 $         662,500

 $         800,800

 $         995,200

PLUMAS

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

RIVERSIDE

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

SACRAMENTO

CALIFORNIA,  COUNTY

 $         517,500

 $         662,500

 $         800,800

 $         995,200

SAN BENITO

CALIFORNIA,  COUNTY

 $         679,650

 $         870,225

 $      1,051,875

 $      1,307,175

SAN BERNARDINO

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

073

SAN DIEGO

CALIFORNIA,  COUNTY

 $         649,750

 $         831,800

 $      1,005,450

 $      1,249,550

SAN FRANCISCO

CALIFORNIA,  COUNTY

 $         679,650

 $         870,225

 $      1,051,875

 $      1,307,175

SAN JOAQUIN

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

SAN LUIS OBISPO

CALIFORNIA,  COUNTY

 $         615,250

 $         787,650

 $         952,050

 $      1,183,200

SAN MATEO

CALIFORNIA,  COUNTY

 $         679,650

 $         870,225

 $      1,051,875

 $      1,307,175

SANTA BARBARA

CALIFORNIA,  COUNTY

42200

 $         625,500

 $         800,775

 $         967,950

 $      1,202,925

085

SANTA CLARA

CALIFORNIA,  COUNTY

41940

 $         679,650

 $         870,225

 $      1,051,875

 $      1,307,175

087

SANTA CRUZ

CALIFORNIA,  COUNTY

42100

 $         679,650

 $         870,225

 $      1,051,875

 $      1,307,175

089

SHASTA

CALIFORNIA,  COUNTY

39820

 $         453,100

 $         580,150

 $         701,250

 $         871,450

091

SIERRA

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

093

SISKIYOU

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

095

SOLANO

CALIFORNIA,  COUNTY

 $         460,000

 $         588,850

 $         711,800

 $         884,600

SONOMA

CALIFORNIA,  COUNTY

 $         648,600

 $         830,300

 $      1,003,650

 $      1,247,300

STANISLAUS

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

SUTTER

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

TEHAMA

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

TRINITY

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

TULARE

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

TUOLUMNE

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

VENTURA

CALIFORNIA,  COUNTY

 $         672,750

 $         861,250

 $      1,041,050

 $      1,293,750

YOLO

CALIFORNIA,  COUNTY

 $         517,500

 $         662,500

 $         800,800

 $         995,200

YUBA

CALIFORNIA,  COUNTY

 $         453,100

 $         580,150

 $         701,250

 $         871,450

Find your Next Home

Here is the link:

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Set your shopping up they way and time you want!

C G Barbeau
NMLS #324982

MLS

Access the multiple listing service for free through home Scout on you cell phone
or home computer.

download HOMESCOUTING

secret password is my phone number 9497849699

Register your own made up user and password.
Shop live on the multiple listing service
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Happy Thanksgiving
C G Barbeau
NMLS   324982

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...