Castro Valley, CA - Neighborhood? High School? Potential Earthquake?
Hi,I'm planning to move to Castro Valley in the subsequent few months. What do you know about the city?
- Is it a locked city? I've heard that Hayward, which is freshly across the highway, is not a safe city... How just about Castro Valley itself?
- Is the high school(s) surrounded by Castro Valley considered ok / good?
- Does Castro Valley enjoy a high potential of getting harmed by earthquake? I get the drift that Castro Valley is on Hayward fault, which have a high potential of getting harmed by earthquake contained by the next 30 years or so... But most houses contained by Castro Valley are on the mountains, which will make them smaller number affected by earthquake??
Thanks!
Answers: LOL! That is too funny!!
The knock line runs right through the hill (those are NOT mountains!). Actually I think nearby are 3 different fault file.
Yes, the odds are we will enjoy an earthquake in 30 years. I judge both the Hayward and the Calavereous fault lines run through within. But, you will have a condemn line anywhere within the east bay.
Yes, Hayward, San Leandro and San Lorenzo are vastly dangerous (depends on your race) nouns to be in.
Castro Valley is middle class though. You should be OK. I close to Castro Valley. Because of the fires (it was hit by the Oakland fire) and earthquake the neighborhoods are a mish-mesh of different homes built in different years.
The school there are impressively good and the population vastly diverse. The the eastern bay nouns it is one of the better places to live.
Rental Assistance Available?
My boyfriend and I both work full time but I make more than he does. I live within NJ and he lives in NYC. We be both saving our money to acquire an apartment in his neighborhood (Bronx,NY). We religiously used birth control but suprisingly I get pregnant and am having twins!! I am still working (I am 13 weeks) and my doctor give me permission to work until the expire of April which I am going to do. The problem is, my boyfriend cannot afford me, rent, and the rest on his salary alone and I be wondering if anyone knows of any rental assistance programs contained by NYC?Answers: You could try the local welfare office, or your boyfriend requirements to pick up a second job. If you expect the policy to help you, you must demonstrate a financial want. This is determined by the government. It is much harder beside two parents applying for assistance-which you must do if you live together.
Plenty of people are holding down two job these days. Your pregnant so palpably you can't be expected to do everything! This sounds like a situation where on earth a second job is needed. You should plan hasty. Work up until you can no longer work. Once you have your babies and you are competent to work again, perhaps your boyfriend may know how to lessen his work load. Probably not the answer that you be expecting, but it is the most logical.
Good Luck with everything. Congrats on the babies!
I cant sustain you with the interrogate you asked, i am sorry.
maybe everything will stir smoothly and you can work right up until you have the babies. I know a few ethnic group who had twins and they be able to work up to the really same week they gave birth.
Of course, you will be on motherliness leave for a few months so conceivably someone can help you beside your original give somebody the third degree.
congrats and i wish you righteous luck.
Should I refinance my first mortgage near a HELOC?
I have the opportunity to release almost 1% on interest if I refinance my first mortgage into a HELOC with a fixed rate way out, which the salesman says I can use to fix the entire match of the HELOC after it closes at 5.24%. The loan would be 15 years of interest only, afterwards 15 years of P&I. Sounds like a large amount, but am I missing something about using a HELOC as a first loan?Answers: Yes, you're missing something. He's taking you for a ride.
"15 years of interst only". That system that if you try to sell the house sometime inwardly the next 15 years, you won't procure anything from the sale. It's duplicate kind of nonsence that drove the discount into recession in the first place.
And if you're contained by the "almost 1%" savings compass, don't do it.
You never save any money unless you salvage two full points.
FYi, the second segment of 15 years (years 16-30) will be substantially higher-- it would work out ot what a 15 year mortgage would be... keep that surrounded by mind.
AND READ THE FINE PRINT NO MATTER WHAT THE BROKER SAYS WILL HAPPEN.
wait you are going to repay off your first mortgage for a rank of credit? why would u do that.. its still a tax write stale either means of access.. unless you are strapped for money i wouldnt do it...
and i think most, save all HELOC are undependable rates.. so your payment change every month.. and you are not paying any principal..
and is it the worht all the fees to obtain that lower rate?? probably not because you wont recoup that $ for years and years
That make no sense. You also won't get a HELOC at 5.24% No instrument no how. Speak with a REPUTABLE broker.
Response to more information:
If you can get a 15 year fixed interest solely at 5.24% on a HELOC as a first mortgage, you are the first and only individual on the planet that can. I suggest you take it.
They are calld first-position HELOC's and First-position HELOC's are NOT fixed rates.EVER!
I hold never seen one contained by my career.they are adjectives adjustable based on prime plus doesn`t matter what percentage dictated by the note and almost other fluctuate MONTHLY..
That is a negative ammortization loan and if you supply before year 15, you are going to be surrounded by trouble with the payoff.
HUGE mistake!
Someone isn't explaining to you the program correctly.
PS: Amanda isn't taking into consideration of the COSTS of the refinance, because I guarantee she doesn't work for free. On average, if you are just dropping 1%, it takes usually 2 1/2 to 3 years to recuperate the costs of a refinance (TOTAL cost of refinance/dollar amount of monthly savings=.number of months to reach the "break even" point)...and to be exact assuming the overall loan deal is to your benefit.
You can also NEVER guarantee that the flea market will go up.as individuals in California hold learned the tricky way...explicitly a horrible selling point to an interest-only loan.
Nice sales pitch though!