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Need local real estate information? We've summarized much of what is important about the Danville, Blackhawk, Alamo and San Fransico East Bay real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job.

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. we have the experience and track record you are looking for.

In addition, our associates can address the cultural needs of specific clients and communicate in their native languages.

Daniel Kolody & Associates

Real Estate Tips

Financing Your Home >Mortgage Fears

It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!

Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.

Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.

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Real Estate Trivia

Q	Which famous home designed by Thomas Jefferson showed forms of Greek and Roman architecture?
A	Monticello, begun in 1769, was later enlarged in keeping with its classical forms.
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Testimonials

"Never experienced a more PROFESSIONAL Team"
"They managed a VERY complex Real Estate transaction -- and made it happen -- we now own our Dream Home"
"Gerhardt Schmoeckel, Alamo California"
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Daniel Kolody & Associates
Re/Max Accord
313 Sycamore Valley Rd.
Danville, CA 94526
Cell:: 925-337-7949
Office:: 925-736-1715
daniel@danielkolody.com

Daniel Kolody & Associates is a team of Experienced Real Estate Professionals. We provide a full range of services -- which include Legal Advice, Loan Consultation, Escrow/Title Advice, Appraisal Information, and all Real Estate Buying and Selling Services.

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