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The Sammy Shrimali Team
Sammy Shrimali Remax Aacer Realty
The East Bay Remax Realty
2843 Hopyard #194
Pleasanton, CA 94566

Each office is independently owned & operated

Email Us

Phone:
925-215-9595
Fax: 925-215-9595

Serving
Pleasanton
Dublin
Alamo
and a lots more...

IMAGE ISN'T EVERYTHING...QUALITY & SERVICE IS! Now more than ever, in an age of image without substance, quality work and superior service should mean EVERYTHING to you. Sammy Shrimali provides for sellers and purchasers the quality representation they expect and the service they desire in a real estate broker. No gimmicks, no false promises, no hidden agendas, simply hard work and excellent results. Call Sammy today to find out how a real estate broker should be. 925-215-9595

 

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Livermore CA Homes for

Livermore Ca Homes For Sale

WAYS TO SAVE MONEY ON YOUR Livermore Ca Homes For Sale INSURANCE

RAISE YOUR DEDUCTIBLE

Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim, according to the terms of your policy. The higher your deductible, the more money you can save on your premiums. Nowadays, most insurance companies recommend a deductible of at least $500. If you can afford to raise your deductible to $1,000, you may save as much as 25 percent. Remember, if you live in a disaster-prone area, your insurance policy may have a separate deductible for certain kinds of damage. If you live near the coast in the East, you may have a separate windstorm deductible, if you live in a state vulnerable to hail storms, you may have a separate deductible for hail, and if you live in an earthquake-prone area, your earthquake policy has a deductible.

3. BUY YOUR Livermore Ca Homes For Sale AND AUTO POLICIES FROM THE SAME INSURER

Some companies that sell Livermore Ca Homes For Sale homeowners, auto and liability coverage will take 5 to 15 percent off your premium if you buy two or more policies from them. But make certain this combined price is lower than buying the different cover ages from different companies.

4. MAKE YOUR Livermore Ca Homes For Sale HOME MORE DISASTER RESISTANT

Find out from your insurance agent or company representative what steps you can take to make your Livermore Ca Homes For Sale home more resistant to windstorms and other natural disasters. You may be able to save on your Livermore Ca Homes For Sale premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials. Older homes can be retrofitted to make them better able to withstand earthquakes. In addition, consider modernizing your heating, plumbing and electrical systems to reduce the risk of fire and water damage.

Conventional Mortgage for Livermore Ca Homes For Sale

Most of the national lenders who offer energy-efficient financing for Livermore Ca Homes For Sale operate through one of the following programs.

ENERGY STARŪ Mortgage for Livermore Ca Homes For Sale

The ENERGY STARŪ Homes program-sponsored jointly by the U.S. Department of Energy and the U.S. Environmental Protection Agency-promotes voluntary partnerships with home builders to construct new homes that are 30 percent more efficient than the guidelines established by the Model Energy Code-a "model" national standard for residential energy efficiency.

The program also encourages lenders to provide for Livermore Ca Homes For Sale ENERGY STARŪ homes. An ENERGYSTARŪ mortgage offers a minimum 2 percent stretch on a borrower's debt-to-income ratio, plus at least one additional incentive for borrowers. Incentives may include:

• A lower interest rate
• A discount on closing costs and/or origination fees
• Up to a 4 percent extension of the debt-to-income ratio stretch
• Paying for the cost of the home energy rating.

Fannie Mae

Fannie Mae-a private, shareholder-owned corporation-operates under a congressional charter that directs it to channel efforts into increasing the availability and affordability of homeownership. It doesn't lend money directly to home buyers; it purchases mortgages from lenders, ensuring that funds are available.

Energy-Efficient Mortgage for Livermore Ca Homes For Sale

Fannie Mae encourages lenders to offer its EEM by providing incentives and specific criteria for those that it's willing to purchase from lenders. Both existing and new homes fall under this EEM.

• Several approved home energy rating methods and programs, not just a HERS, are allowed to evaluate a home's energy efficiency.
• For existing homes, the cost of improvements is limited to 15 percent of its total cost. There is no limit imposed on the cost of improvements for new construction.
• A home buyer can finance 100 percent of the energy efficiency improvements without increasing the down payment.

Residential Energy Efficiency Improvement Loan for Livermore Ca Homes For Sale

Fannie Mae is partnering with utility companies to provide loans to utility customers for the installation of energy-efficient home improvements. The loans feature:

• A below-market interest rate
• An unsecured financing option
• Up to $15,000
• A term of up to 10 years

A "whole-house" or bundled approach to Livermore Ca Homes For Sale efficiency improvements