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centralvalleyhousebuyersseo-blog · 7 years ago

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Selling My House Fast in Clovis

How soon are you looking to sell your house for cash? If you’re going to say that you need to sell your Clovis house fast and that you’ve tried and still are really having a hard time selling my house in Clovis? Then you can stop worrying now. No need to pull your sleeves up because you’re at the right place. With Central Valley House Buyer, selling your property is as easy as 1-2-3. Ready to hear the best parts of it? We pay cash, buy your property as is, you will not be paying any fees, commissions or closing costs and we close fast! Selling your Clovis house, believe it or not, can be done in 5-7 days or within the date of your choice. Sounds farfetched? Call us now with your property details and get a no obligation, hassle free initial offer within 24 hours.

If you really need to sell your house fast for any reason, consider the option of selling for cash offer to a qualified local investor like Central Valley House Buyer. We are honest and determined to provide you the best fair offer for your property. We do not take advantage of the situation as we believe that the decision to sell your Clovis house is as important as the reason behind it. We will be transparent and will tell you if it’s better off selling your house with a realtor the traditional way.

Selling My House Fast in Clovis – Your Options

It gets really frustrating when the financing world gets strange example - loan programs changes at the last minute. This gets more challenging if the house you’re selling relies on it. It could actually delay your sale if you’re selling it to an individual who only requested for a bank loan to be able to write you a check. One of the things to be prepared for are these type of scenarios where buyers’ financing falls through. And if this happens, then you are going back to square one – adding more days, weeks or worst, months to the whole process. You also have to get ready for more holding costs other fees.

To make sure we avoid having the individual buyer pull out at the last second because of bank delays… one option is to sell your house to a local investment firm like us.

Why do we say so?

Often times, reputable investors like Central Valley House Buyer have access to multiple lines of credit with public and private lenders that is secured by other assets.

And that only means, we can close quickly and we don’t have to wait for a bank loan to get approved. You get your sale done and cash in hand quickly. And you didn’t need to pay escrow fees or have your home renovated before it gets sold.

Now, what you need to do is to make sure you’re dealing with a qualified local investor, someone with a long time experience and credentials in real estate investment. Qualified investors will have no problem providing you access to bankers and references who can verify the investor’s ability to close on the loan.

But how do you get cash offers fast?

It’s easy! You can get a fair cash offer from us actually today. This is no obligation; no commitment offer that we give to our home sellers. All you have to do is to get in touch us, let us know that you’re selling and give us a little information about property so we can do a little off-site research and within 24 hours, one of our team members will call you to give you our initial offer. If our numbers would sound like were in the same ballpark, then we will make arrangements to see the property in person so we can make a rock solid offer.

The market where we’re buying properties is Clovis, California area, which we’re local to… and we buy Clovis houses as is for cash. You may ask, “So what do you guys do after buying our property?” We will then hold them as rentals for ourselves… or we’ll rehab or flip it if the house needs some, and sell then it to someone who will fall in love with it and who are looking to reside the area.

So, if your local Clovis property qualifies, we can buy your house fast.

Just fill out the form or pick up the phone and call us anytime at (559) 578-3200

#We Buy Houses Visalia #Sell My House Fast Visalia #we buy houses Tulare #we buy houses Hanford #we buy houses Lemoore

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topinforma · 7 years ago

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New Post has been published on Mortgage News

New Post has been published on http://bit.ly/2sTLG3u

How to Get Your Insurer to Pay Your Claims

Manuel Pulido returned to his townhouse in Chicago’s Gold Coast neighborhood one evening last December to find water spewing from the chandelier in his dining room. A pipe had burst in the second-floor bathroom, and the explosion of water quickly made its way into the master bedroom and leaked through to the dining room on the floor below. The ceilings, floors, walls, carpets, furniture (including some antiques) and light fixtures were drenched.

See Also: Hybrid Insurance Policies Gaining Steam

Pulido turned off the water and electricity and called his agent, who contacted Chubb, his insurance company. A water-remediation service arrived within 1½ hours to start drying out the damaged areas. The service spent five days in his house with giant fans and wet/dry vacuums to prevent further damage.

When Pulido and his wife, Rena, were shopping for insurance several years ago, they met with independent agent Rebecca Korach Woan, who gave them price quotes and discussed the pros and cons of several companies. They chose to pay extra for the Chubb policy because the company had a reputation for handling claims efficiently and taking care in repairing or replacing special items, such as antiques and artwork. The company had sent an appraiser to the house to itemize valuable property and take pictures of the items in every room.

When the pipe burst, Chubb’s claims rep was able to access those “before” pictures. An adjuster came to see the damage and returned a few times with experts to check on special items, such as an antique table. By February, the Pulidos had received more than $200,000 from Chubb to cover the damage to their home and possessions. “I made one phone call and everyone followed up with me,” Pulido says.

Most insurance claims take more phone calls — sometimes many more. If you have a homeowners or an auto claim, here’s what you need to know to avoid hassles and get a fair payment from your insurance company.

Homeowners insurance

Andrea Johnson went for years without filing a homeowners insurance claim. Then on the afternoon of May 20, 2013, the sky went dark and a tornado with 200-mile-per-hour winds ripped through her town of Moore, Okla.

The tornado wiped out so many houses that she had a hard time finding her street when she returned. “The neighborhood behind ours was totally destroyed and was just debris,” she says. Only a few houses on her block were still standing. One side of her house was completely gone, “and my neighbor’s house was in my house.”

Act fast. When you file a claim that involves damage to your home, an adjuster usually comes within 24 to 48 hours, but it can take longer after a catastrophic event. Johnson contacted her State Farm agent after the tornado, and she met with the adjuster three days later to determine the extent of the damage. Johnson also contacted a builder who came to the site with an engineer and sent the insurer a report explaining why the house was unfixable. “The insurer finally decided it was a total loss,” she says.

Your insurer or agent may be able to help you find contractors, water-remediation services and other experts to help make the repairs, or you can use your own contractors. It can help to have your contractor at your house when you meet with the adjuster. “They can walk through together, and we can assure they’re both seeing the damage from the same perspective,” says Patrick Gee, senior vice president for auto and property claims at Travelers. The insurer may adjust the payout if the contractor finds more problems after starting the work.

See Also: 4 Insurance-Policy Add-ons Worth the Money

Take inventory. Filing the claim for the contents of Johnson’s home ended up being complicated. By the time the adjuster arrived, she had little evidence of her missing possessions; many items had been scattered by the tornado, and some had been tossed by well-meaning volunteers who came to Moore to help homeowners remove debris. “They asked for page after page of information to tell them about everything — how many pairs of shoes, how long you had them, how much they cost. Who remembers that?” she says. Johnson wishes she had kept a home inventory or had taken pictures before the items were removed.

Keeping an updated inventory isn’t the tedious hassle that it used to be. Many insurers have home inventory apps you can use. “Take pictures of your rooms, closets, attic and your backyard,” says John Doak, Oklahoma’s insurance commissioner. Open drawers and cupboards so that the photos show all your possessions. Keep the photos and copies of receipts for valuable items outside of your home, with your insurance agent or online. If possible, have your insurance agent visit your home, take pictures and let you know if you’ve reached your policy limits, says Doak.

Know what’s covered. Most homeowners policies pay for additional living expenses — including rent, food and other costs — for up to a year while you’re unable to live in your home. Keep the receipts for reimbursement; some insurers provide debit cards for these expenses. State Farm paid Johnson’s rent for a small apartment while she waited for her claim to be settled.

In a disaster area, you may be out of your house a long time because of a shortage of contractors. “You could potentially be paid more for the additional living expenses than for the home if you’re out of your home for a year or more,” says Doak. Johnson decided to take the insurance money and move to Oklahoma City rather than rebuild her house.

Periodically review your policy or ask your agent what is and isn’t covered and how to fill the gaps. Flooding isn’t covered by homeowners insurance, but you can get a policy from the National Flood Insurance Program; your home-insurance agent may sell those policies. Sewage and drain backups usually aren’t covered automatically, but it may cost just $50 to add about $10,000 in coverage, says Rene Hernandez, an independent agent in Oklahoma City.

Most policies cover only about $5,000 worth of jewelry, but you can add a rider to provide coverage at the items’ appraised value.

How to fight back. If your insurer drags its feet or you don’t think you’re getting adequate reimbursement, you can get help from your state insurance department (find your state insurance department here). “If there’s an impasse, the insurance department can step in and speed things up,” says Doak, whose office fielded about 30,000 calls to help policyholders last year. The Oklahoma Insurance Department, like departments in many states, sets up a mobile office to answer consumers’ questions about their coverage and rights after a major disaster. It also offers a mediation program to help resolve disputes between homeowners and their insurance companies, an option that several state insurance departments offer.

Auto insurance

The steps you take immediately after a car accident can make a huge difference in how quickly and smoothly the claims process goes.

Gather evidence. You’re likely to have a smartphone camera with you when you drive; if not, keep a camera in the glove compartment. If you’re in an accident, start taking pictures as soon as it’s safe — of your car, the other car, the intersection, and the other driver’s license and insurance card. You may even want to take a photo of the other driver. Also keep a notebook and pen by the driver’s seat so you can jot down a license plate number quickly, says Sharon Jansma, who owns a Farmers Insurance agency in Visalia, Calif.

If there are witnesses, get their contact information. Having a police report can help, especially if there’s a question of who’s at fault. “Don’t tell anyone the accident was your fault, even if you think it was,” says Kip Diggs, a State Farm spokesman. “Don’t sign any document unless it’s for the police or your insurance agent.”

Some insurers, including State Farm and Travelers, have mobile apps that make it easy to submit photos and walk you through the next steps. Or you can call your insurance company or agent.

Find the right shop. You can usually use any body shop, but most insurers have preferred shops that work directly with the adjusters and guarantee their work. This can speed up the claims process, but it can help to have a second opinion. “I always tell my insureds to get a few estimates to make sure there’s consistency,” says Hernandez. If you have rental-car coverage, your insurer will pay for at least a portion of the cost of a rental car while yours is in the shop.

See Also: Smart Shopper’s Guide to Auto Insurance

If the car is a total loss, the insurer will generally pay the car’s “actual cash value” (the market value for a car of its age and condition). Ask how the insurer came up with the number. Farmers compares the cost of cars selling in the area that are the same make and model, with similar mileage and upkeep, then adjusts the figure for your specific details. “I like to see a sample size of five to 10 cars selling in your area,” says Jansma. If you think the number is too low, gather your own list of similar cars for sale locally. The insurer will either send you a check for that value (minus your deductible) or pay the financing company and send you any additional money, if you have a loan.

Claims can get complicated — and take longer — when another car is involved. It usually takes 60 days or less, says Jana Schellin Foster, who owns an independent insurance agency in Carson City, Nev. “Anything beyond that, somebody is dropping the ball.” In that case, Foster will generally have a conference call with the agent, the insurer and the customer. “That way there is no miscommunication,” she says.

The final payment can be delayed while the two insurers decide who is at fault. A typical scenario: Your insurer pays the claim while you pay your deductible, even if there’s a good chance you weren’t at fault. Your deductible could be returned to you months later, after the insurance companies determine who is to blame. That process, called subrogation, can take anywhere from 10 days to a year, says Jansma.

How to fight back. If the insurer seems to be lowballing the repair costs, ask your body shop to provide a detailed estimate of what needs to be fixed. If that doesn’t help, find out if you have an “appraisal clause” in the policy, under which a third party reviews your body shop’s appraisal and the insurer’s and settles on a number.

Your agent may be able to help with stalled claims. “You may have one claim in a lifetime, but we do this every day,” says Sarah Brown, of Keller-Brown Insurance Services, in Shrewsbury, Pa. As an independent agent, she often has contacts at the other driver’s insurance company as well as at her client’s and can find out what’s causing the delay. The state insurance department can also explain your rights and get the insurance companies moving.

Check an insurer’s complaint record

One way to minimize the chances of having claims problems is to avoid insurers that have a history of hassling people at claim time. You can look up the insurer’s complaint record with the National Association of Insurance Commissioners’ Consumer Information Source.

Type in the company’s name, then click on “property/casualty” for the business type for auto and homeowners insurers. When you see the list of companies, click on “closed complaints,” then select “closed complaint ratio report.”

You’ll see a ratio of the insurer’s market share of resolved complaints to the company’s market share of premiums for that type of insurance (so larger insurers aren’t penalized for having more complaints). The national median is 1.00; companies with ratios below that median have a better track record than those above the median.

See Also: Car Insurance: Are You Covered?

You can also contact your state insurance insurance department to learn about any actions taken against the insurer.

Check an Insurer’s Complaint Record

See Also: Should You Buy Water and Sewer Line Coverage From Your Power Company?

You can also contact your state insurance department to learn about any actions taken against the insurer.

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fogliogroup-blog · 5 years ago

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Discover how to get your house sold quickly for top dollar without any fees or commissions. Our FAQ can help answer any questions you may still have about the real estate selling process.

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fogliogroup-blog · 5 years ago

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Have you decided to sell or buy a house, but don’t know how to? Click here to learn how to sell a house by owner, the paperwork simple process.

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fogliogroup-blog · 5 years ago

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centralvalleyhousebuyersseo-blog · 7 years ago

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We Buy Houses Tulare- Central Valley House Buyers

We are a Real Estate Solutions and Investment Firm. We buy houses in Tulare and all throughout California's Central Valley. If you need to sell your house fast in Tulare, Clovis, Sanger, Reedley, Selma, Kerman, Hanford, or Lemoore. We’ll Buy It Now! Get a guaranteed, Fair, All Cash Offer on Your House within 24 hours. No Hassles, No Obligations. We buy houses in any condition or price range. Regardless of the situation. We Buy Houses Direct. No Fees. No Agents. No Commissions. No Repairs Needed. Sell “As Is”. Close within 7 days or on the date of your choice!

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fogliogroup-blog · 5 years ago

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centralvalleyhousebuyersseo-blog · 6 years ago

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House sales often drag on for months, but they do not need to. Here’s another option for you wonder how to sell a property quickly in Reedley: contact Central Valley House Buyers. Sell it for cash, fast and as is. We can close and have this processed within 7-10 days or within the date of your choice. No fees. No commissions. Sounds too good to be true? Call or text us at 559-578-3200 or visit us online at www.centralvalleyhousebuyers.com and get a fair and honest offer within the next 24 hours. Read more

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centralvalleyhousebuyersseo-blog · 6 years ago

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When you ask yourself “how do I sell my house quickly in Hanford’, this only means you are in a hurry in selling. No time to spare listing it. Though, that could be one of your options. But if you need it sold quickly, then you came to the right place. We buy houses for cash, as is and closes fast. Need to learn more? Call or text us at 559-578-3200 or visit us online at www.centralvalleyhousebuyers.com and get a fair and honest offer within the next 24 hours. Read more

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centralvalleyhousebuyersseo-blog · 6 years ago

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How to Sell a property quickly Reedley – Central Valley House Buyers

House sales often drag on for months, but they do not need to. Here’s another option for you wonder how to sell a property quickly in Reedley: contact Central Valley House Buyer. Sell it for cash, fast and as is. We can close and have this processed within 7-10 days or within the date of your choice. No fees. No commissions. Sounds too good to be true? Call or text us at 559-578-3200 or visit us online at www.centralvalleyhousebuyers.com and get a fair and honest offer within the next 24 hours. Read more

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centralvalleyhousebuyersseo-blog · 6 years ago

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How Lemoore Landlords Are Dealing With Tenants Who Don’t Pay Rent

Are you managing bad tenants? Tenants who aren’t paying rents? Yes and we know that it is the most challenging part of being a landlord. So, if you are looking for ways on how to handle these kinds of tenants, then you are at the right page. We’ll talk about how Lemoore landlords are dealing with tenants who don’t pay rent.

If you are experiencing the same problem, then you’re facing the same challenges that many landlords go through at least once. It’s infuriating and sadly, your preferences are limited. Here’s how Lemoore landlords are dealing with tenants who don’t pay rent.

But don’t worry, as they always say, the best defense is always a good offense – which means, if from the start, you were very diligent in doing background checks on your tenants, and you do have a contract, then those will be helping you. But if all those things didn’t work… then here are some other options for you.

#1. Prevent the situation from happening

Level one would be avoiding the situation and hope that they pay. You could avoid the situation and hope they pay. Not the best option out there but this is an option that most landlords take. Ignoring the situation and hoping for the best outcome (they pay and catch up with their rent) may not always be the answer. Because to be honest, how sure are we that they’re going to do it? Ok, there’s a possibility. A slight chance. Here’s a fact, it may not happen (it rarely does) but it could happen so we’re including it here as a possibility. When dealing with tenants who don’t pay rent, we don’t recommend this strategy because it opens the doors to the possibility that your tenant will take advantage of you.

#2. Have a sit down and negotiate

If you still believe in the goodness of others, hoping that your tenants will see the importance of paying rent, then you could have a sit down and negotiate with them. Why? Well, because maybe they just are just in a situation where they would need a new payment date or schedule. As landlords, we think as a businessman, because literally, we are running a business here. But we also need to consider that not everyone can pay easily each month; some renters can pay better by the week because it’s a smaller payment. Or maybe you can get them to do some work around the property in exchange for a discount on the rent. If you choose to negotiate with your tenant, make sure you get an agreement from them that works for both of you, update your contract and have it notarized, otherwise, you’ll just feel even more frustrated!

#3. Evict

As hard as it may seem, you can definitely try to evict them, although be aware that this can be a complicated, time-consuming process that may involve some legal hassles too. If you think you can handle those, then these could be your last resort. Please know that eviction is very difficult to do. There are laws and regulations that need to be followed. It may be worth doing this in the long-run, though, if you can get a paying tenant into your rental property.

#4. Sell

Last resort for landlords with tenants who do not pay and do not wish to deal with them anymore? Sell! Sell the property to an investor who is willing to take charge of the tenants. Just imagine selling the property and getting on with your life – and not having to deal with tenants their annoying troubles any longer. Many landlords love the new-found freedom they get when they sell.

At Central Valley House Buyers, we buy frustrating rental properties from landlords like you who are burned out, worn out, frustrated, and who just want to get their lives back.

Click here now and fill out the form or give us a call at 559-578-3200 to get a fair fast cash offer from us today.

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