My New Blog

 

 

 

 

YOUR REAL ESTATE SPECIALIST

 

 

 

D&F Properties

 

 

 

GRS,GRI,SRES,GREEN

Diane DeFaria LoVerde

 

408-270-9776 - office

408-221-6602 - cell

 

dfproperties5000@gmail.com

 

5000 Birkdale Way

San Jose, Ca 95138

 

DRE #00744960 / NMLS # 234354

 

 

 

 

 

1st QUARTER

 

THE FIRST QUARTER OF THE YEAR IS THE BEST TIME TO PUT YOUR HOME ON THE MARKET!

 

LET'S START PREPARING A GAME PLAN NOW!

 

TOTAL COMISSION 4 1/2% PLUS I PAY YOUR ROOF INSPECTION

 

Posted in:General
Posted by Diane DeFaria LoVerde on December 5th, 2019 11:11 AM

Entering this lovely 1 bedroom, 1 bath 2nd floor unit you will be greeted by abundant shade trees to be enjoyed from your private patio. This spacious unit has plentiful light and a roomy, spacious interior enhanced by its vaulted ceilings. It’s upgraded limestone fireplace invites you to enjoy cool evenings and entertaining by the fire. There is bamboo flooring throughout highlighting its roomy floor-plan. The remodeled kitchen is a chef’s delight with granite counter tops, cherry cabinets and stainless steel appliances included. You’ll be impressed with the large bedroom with it’s mirrored closet door and convenient adjoining bath. There is a laundry room with ample storage adjacent to the bath. This unit located in the popular Terrace Villas complex is close to everywhere you want to be. You can walk to the Village Oak Shopping center, restaurants, the light rail or other transportation choices including freeway access. Costco, Lowe's, Target, Kaiser Hospital are all within 5 minutes of this move in ready home.

Asking $484,990. Open house on November 2, 2019 1:30-4pm

Diane LoVerde
DRE#00744960
408-221-6602

Posted by Diane DeFaria LoVerde on October 31st, 2019 10:49 AM
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$499,000.00
5689 Makati Circle #H

San Jose, CA 95123



Beds: 1 Rooms: 1
Full Baths: 1 Sq. Ft.: 690
Garage: 0 Built: 0
 

This is a new listing that
I thought you might be
interested in. Visit this
listing online to see more
photos of the property,
Google? Earth satellite
images, and much more.
 

If you have any questions
about this property or
require more information,
please feel free to call.

Diane DeFaria LoVerde
D&F Properties
4082709776
www.dfproperties.net



 
  Visit this listing here
Posted by Diane DeFaria LoVerde on September 3rd, 2019 11:37 AM

Now is a great time for you to start considering building an ADU. San Jose's mayor is looking to make it easier for homeowners to build their own ADU. To help with this, they're launching:

  • A pre-approval program for ADUs
  • ADU Tuesdays - a time where ADU customers can have their plans reviewed at an expedited speed (appointment required)
  • An ADU Ally - Sarah Shull is your go-to aid who can help guide you through getting permits and the approval process
  • A streamlined submission checklist to help you

If you're thinking about building an ADU, now is a great time to get started. Acton ADU is on the front lines of helping homeowners build their own ADUs, so let us help you!

Posted in:General
Posted by Diane DeFaria LoVerde on August 29th, 2019 10:25 AM
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$989,100.00
5445 Century Meadow Ct

San Jose, CA 95111



Beds: 4 Rooms: 0
Full Baths: 2 Sq. Ft.: 1879
Garage: 0 Built: 1979
 

This is a new listing that
I thought you might be
interested in. Visit this
listing online to see more
photos of the property,
Google? Earth satellite
images, and much more.
 

If you have any questions
about this property or
require more information,
please feel free to call.

Diane DeFaria LoVerde
D&F Properties
4082709776
www.dfproperties.net



 
  Visit this listing here
Posted by Diane DeFaria LoVerde on April 9th, 2019 11:50 AM
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$749,900.00
4113 San Miguel WAY

San Jose, CA 95111



Beds: 3 Rooms: 3
Full Baths: 2 Sq. Ft.: 1123
Garage: 0 Built: 1959
 

This is a new listing that
I thought you might be
interested in. Visit this
listing online to see more
photos of the property,
Google? Earth satellite
images, and much more.
 

If you have any questions
about this property or
require more information,
please feel free to call.

Diane DeFaria LoVerde
D&F Properties
4082709776
www.dfproperties.net



 
  Visit this listing here
Posted by Diane DeFaria LoVerde on February 26th, 2019 1:49 PM
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$1,639,000.00
934 Marble Court

San Jose, CA 95120



Beds: 4 Rooms: 0
Full Baths: 2 Sq. Ft.: 2167
Garage: 2 Built: 1972
 

This is a new listing that
I thought you might be
interested in. Visit this
listing online to see more
photos of the property,
Google? Earth satellite
images, and much more.
 

If you have any questions
about this property or
require more information,
please feel free to call.

Diane DeFaria LoVerde
D&F Properties
4082709776
www.dfproperties.net



 
  Visit this listing here
Posted by Diane DeFaria LoVerde on November 6th, 2018 12:06 PM
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Listings Photo
$899,000.00
426 Royce Drive

San Jose, CA 95133



Beds: 3 Rooms: 7
Full Baths: 2 Sq. Ft.: 1463
Garage: 2 Built: 1956
 

This is a new listing that
I thought you might be
interested in. Visit this
listing online to see more
photos of the property,
Google? Earth satellite
images, and much more.
 

If you have any questions
about this property or
require more information,
please feel free to call.

Diane DeFaria LoVerde
D&F Properties
4082709776
www.dfproperties.net



 
  Visit this listing here
Posted by Diane DeFaria LoVerde on November 6th, 2018 12:02 PM
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Listings Photo
$460,000.00
247 N Capitol Ave #218

San Jose, CA 95127



Beds: 2 Rooms: 2
Full Baths: 2 Sq. Ft.: 955
Garage: 1 Built: 1977
 

This is a new listing that
I thought you might be
interested in. Visit this
listing online to see more
photos of the property,
Google? Earth satellite
images, and much more.
 

If you have any questions
about this property or
require more information,
please feel free to call.

Diane DeFaria LoVerde
D&F Properties
4082709776
www.dfproperties.net



 
  Visit this listing here
Posted by Diane DeFaria LoVerde on September 24th, 2018 9:09 AM

As a consumer credit professional, I get a wide range of questions regarding the impact our actions have on our credit scores. From closing accounts to Bankruptcies, consumers want to know how to keep their scores optimal. Of all topics, credit inquiries seem to top the list.

It's almost like we consider having our credit pulled likened to going to the dentist. We may have a toothache, but we wait until it's unbearable before we pick up the phone and make an appointment. It's a similar scenario with credit pulls. We commonly hear, I don't want my credit pulled, I don't want my scores to drop!

Well, here is the hard truth; they both may hurt a little or a lot, but they are necessary in their own right! Now the good news, just like the dentist, if you handle it responsibly, you can minimize the pain or impact on our credit scores!

Just as the dentist can't tell you how bad the damage to the tooth is until he gets to work, nobody knows the exact score impact of a credit pull, until it has been initiated by a lender. It's important to understand that everyone's credit file has its own metaphorical DNA and a hard inquiry may impact two similar credit reports very similarly.

With that said, there are some things that will help reduce inquiry anxiety. First, let's discuss hard inquiries versus soft inquiries:

Soft Credit Inquiries:

Soft credit inquiries are defined as; any credit inquiry that is not initiated by the consumer in the effort to obtain new credit. This includes visiting credit monitoring sites like Credit Karma, applying for a job where a credit report is required, applying to rent a home. Additionally our existing creditors can review our credit without it causing an impact to our scores.

Hard Credit Inquiries:

Hard credit inquiries occur when we as consumers ask to borrow funds for any reason. It could be for a credit card, furniture, home loan, vehicle, installment loan, equity line of credit or student loan. Basically any time we make an application for new credit, it is considered a "hard credit pull" or "hard inquiry."

The Shopping Window:

No this section is not about window shopping. The shopping window is defined by the credit reporting agencies as the Deduplication Window. To clarify, possibly the three biggest types of credit we apply for in life are mortgages, cars and student loans. In the effort to give us the ability to shop multiple sources for financing, the three aforementioned loan types have a 45 day deduplication window.

What does this mean to us you ask? It allows us to have multiple credit inquiries within a 45 day period with the first credit inquiry being the only one to impact our credit scores! To further clarify, you can't shop for all three at the same time. Each inquiry must be coded as one of the three loan types.

It is important to remember that mortgages, cars and student loans are the only type of credit that this applies to. EVERY OTHER TYPE OF CREDIT APPLICATION will count each inquiry as a hard inquiry. There are no other exceptions. Apply for 3 different credit cards in one day, you could see a significant drop in your credit score.

So it wouldn't be fair if I didn't address how many points each inquiry may impact our scores. MyFICO.com states that the impact of a hard inquiry is approximately 5 points. Since this information is derived directly from their site, we can take that at face value. With that being said, I have seen credit reports before and after hard inquiries were initiated that lowered credit scores more than 15 points.

The higher score drop may have other factors involved like new accounts established, but it does seem slightly suspect that the scores dropped so quickly after the inquiry. I guess the most highly used answer in credit of "it depends" hold true here.

I hope this article helps reduce your inquiry anxiety. Of course, I can't do anything about your fear of dentists, but hey nobody's perfect.

 

 

Posted in:General and tagged: #creditscores
Posted by Diane DeFaria LoVerde on December 29th, 2016 10:19 AM