Carla Higgins, Realtor, The Grubb Company

Carla Higgins, Realtor, The Grubb Company Carla is an award winner realtor with nearly 15 years of home selling experience in the Greater East Bay. She has extensive expertise and knowledge having been involved in the successful closings of more than two hundred residential transactions.
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05/06/2020
betterhomeowners.com

Having the facts about values in your neighborhood will let you know if your assessment is too high.

While these loans are still available, some lenders are raising their minimum credit score requirements.
05/04/2020
Home Equity Options

While these loans are still available, some lenders are raising their minimum credit score requirements.

Homeowners have several options to get cash from their equity assuming they have good credit, sufficient income and ample equity in the home.

Attitude allows you to change things that are under your control and possibly, achieve the same goal.
05/01/2020
ACT - Adjust Your Sails

Attitude allows you to change things that are under your control and possibly, achieve the same goal.

You can't change the wind, but you can adjust your sails.

This renewed legislation could offer relief in 2020 for taxes from a foreclosure.
04/30/2020
Mortgage Debt Forgiveness

This renewed legislation could offer relief in 2020 for taxes from a foreclosure.

Debt forgiveness is considered income and lenders file a 1099-C reporting the cancelled debt.

Recognizing what options you have can provide peace of mind as well as solutions.
04/29/2020
betterhomeowners.com

Recognizing what options you have can provide peace of mind as well as solutions.

The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Carla Higgins and Better Homeowners do not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be constru...

Rentals offer distinct advantages other investments don't necessarily offer including more control.
04/28/2020
Rental are IDEAL Investments

Rentals offer distinct advantages other investments don't necessarily offer including more control.

Rentals are the IDEAL investment: Income, Depreciation, Equity Build-up, Appreciation & Leverage.

04/27/2020
betterhomeowners.com

Consider getting a loan without points even if the interest rate may be a little higher.

04/24/2020
betterhomeowners.com

Each parent can give $15,000 to their child and the child's spouse for a total of $60,000. Talk to your tax professional.

04/23/2020
betterhomeowners.com

The CDC recommends soap and water first, then, use a household disinfectant when cleaning your home.

If you would like to investigate how it might affect your decision to buy or sell, now or in the near future, we can arr...
04/22/2020
It's Different This Time

If you would like to investigate how it might affect your decision to buy or sell, now or in the near future, we can arrange a video meeting.

This recession is different from the one in 2008-11 that was caused by the housing crisis.

04/21/2020
betterhomeowners.com

This program is available to some owners who may not qualify for a conventional refinance and lets you skip some normal steps like appraisal and income verification.

The goal for all of them to help a potential buyer experience the home without having to personally visit it.
04/20/2020
Terms - Virtual Tour

The goal for all of them to help a potential buyer experience the home without having to personally visit it.

The term virtual tour encompasses a wide range of options including video, a collection of still pictures, 360° pictures and others.

This download will help you get one of those things off of your list.
04/15/2020
Check This Off Your LIst

This download will help you get one of those things off of your list.

Everyone knows someone who has experienced a fire, flood, burglary or some other disaster and to file a claim on their insurance, they needed a list of what was lost.

If necessary, contact your lender and ask what forbearance or hardship options are available.
04/14/2020
Terms - Forbearance

If necessary, contact your lender and ask what forbearance or hardship options are available.

Forbearance is a temporary postponement of mortgage payments by the lender used in hardship cases to avoid foreclosure.

We all need to do our part for everyone's sake.
04/13/2020
Social Distancing

We all need to do our part for everyone's sake.

Social distancing for safety involves more than just staying six feet from other people.

Stay at home and practice social distancing when necessary.  We're all in this together!
04/10/2020
Wash your hands

Stay at home and practice social distancing when necessary. We're all in this together!

Soap and water are very effective at preventing the spread of the coronavirus.

Healthy habits can help us cope with change and reduce stress levels in our lives.
04/09/2020
Stay at Home Routine

Healthy habits can help us cope with change and reduce stress levels in our lives.

Routines can make us more efficient, create structure in our lives, help us to get more done and help us to feel more in control.

Confirm everything independently with your real estate agent, closing officer and actual instructions with the bank befo...
04/08/2020
Mortgage Closing Scams

Confirm everything independently with your real estate agent, closing officer and actual instructions with the bank before transferring money.

The FBI, in their 2018 Internet Crime Report, stated victims lost over $149 million in real estate transactions.

Marketing plans are customized to fit the needs of the seller and the current restrictions.
04/07/2020
Digital Marketing Plan

Marketing plans are customized to fit the needs of the seller and the current restrictions.

Procedures can be put in place to effectively market a home while effectively limiting the amount of exposure.

This point of view is safe for us all.
04/06/2020
ACT - Safe at Home

This point of view is safe for us all.

Safe at home is a perspective that can change attitude.

Talk to your tax person about this and let your REALTOR® know what you want to accomplish.
04/03/2020
Surviving Spouse

Talk to your tax person about this and let your REALTOR® know what you want to accomplish.

There are benefits of exclusion of gain on their home to a surviving spouse who meets the other requirements.

We're all in this together.
04/02/2020
Highly Contagious

We're all in this together.

Kindness, patience, enthusiasm, love and positive attitude are highly contagious.

Being prepared when you are ready to buy a home is a positive action that won't cost anything but your time.
04/01/2020
What Buyers Can Do While Staying at Home

Being prepared when you are ready to buy a home is a positive action that won't cost anything but your time.

While you're isolating at home, there are things you can do to help buy a home now or in the near future.

There are lots of mortgages available.  Contact me about family gifting the down payment.
03/31/2020
Best First-time Buyer Loans

There are lots of mortgages available. Contact me about family gifting the down payment.

All of the major types of loans have low down payment programs.

You can do your census online, by phone or by mail.
03/27/2020
Census 2020

You can do your census online, by phone or by mail.

In between binge-watching episodes while we're all staying at home to do our part to fight the spread of the Coronavirus, you can fulfill your requirement to complete the United States Census 2020.

Who knew it would fix more than squeaks?
03/26/2020
WD-40

Who knew it would fix more than squeaks?

You might be surprised at what you can do with WD-40.

Stay safe; wash your hands and practice social distancing.  We're all in this together.
03/25/2020
Showing Procedures During Covid-19

Stay safe; wash your hands and practice social distancing. We're all in this together.

During these unsettling times, to keep all parties safe, new procedures should be considered regarding the procedure for showing houses.

To be productive, you must eliminate the distractions.
03/24/2020
Working from home

To be productive, you must eliminate the distractions.

Working from home can be challenging if you're new to it or if there are a lot of distractions in your home, especially, when there are other people there too

It's so difficult to find, use it when you're out and about and can't wash your hands with soap and water.
03/23/2020
Wash your hands

It's so difficult to find, use it when you're out and about and can't wash your hands with soap and water.

Wash your hands when you are at home instead of using hand sanitizer.

Once the basics of the gift have been determined, the lender is going to require a written gift letter explaining the sp...
03/20/2020
Gift the Down Payment

Once the basics of the gift have been determined, the lender is going to require a written gift letter explaining the specifics before the loan package can go to underwriting.

A legitimate source of a down payment can be from a gift as long as it meets certain requirements of the lender.

I'm happy to recommend a local, trusted professional who can provide the confidence and credentials needed to make a dif...
03/19/2020
Preapproval = Confidence2

I'm happy to recommend a local, trusted professional who can provide the confidence and credentials needed to make a difference. Contact me.

If you're planning on buying a home in the next 3-6 months and isolating at home, now may be a good time to get pre-approved. You can do it online or over the phone.

Address

1960 Mountain Blvd
Oakland, CA
94611

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