The Rinetti Difference

Author profile image

2015 Ad

Category : Blog

Piggyback Loans

Author profile image

‘Piggyback’ Loans Revisited
Source: The New York Times

“Piggyback loans” are readily available once again, but not in the form that allowed many borrowers to buy homes with no money down before the housing crash. These mortgages are essentially a two-loan package — one “piggybacks” on the other to go toward the purchase price.

Making Sense of the Story:

  • During the housing bubble, piggyback, or combination, loans were commonly available as what were known as 80/20s. A home buyer got a first mortgage for 80 percent of the purchase price, then a second, subordinate mortgage from the same or a different lender to count as a 20 percent down payment. This relieved the buyer of the cost of private mortgage insurance, which is generally required when borrowers are financing more than 80 percent of the home’s price.
  • After the housing bubble burst, and values plummeted, many piggyback borrowers found themselves with negative equity. And those who defaulted often had trouble obtaining a loan modification or approval of a short sale.
  • The piggyback loans now available are more difficult to qualify for and limited to 90 percent loan to value. In other words, the borrower must put up at least 10 percent. They are often marketed as 80/10/10s, with the last 10 representing the down payment.
  • Many of the programs are aimed at “jumbo” borrowers, who tend to have higher net worth. Jumbo, or nonconforming loans, are mortgages that exceed the loan limits set by Fannie Mae and Freddie Mac. (The 2015 single-family limit is $417,000 in most areas, and $625,500 in high-cost areas.)
  • According to some experts, jumbo borrowers may choose to add a second mortgage rather than roll all the debt into the first, because they can get a lower interest rate on the first if they finance 80 percent or less. While the rate on the second loan will be higher, they have the ability to pay it off over a relatively short period of time, leaving them with only the lower-priced loan.
  • Borrowers should not assume an 80/10/10 will be cheaper than a loan requiring mortgage insurance. They should consider paying the insurance upfront, by financing it into the rate, which can lower the monthly payment

Category : Blog

Home Buying in the Winter

Author profile image

IMG_9397Why It’s Cheaper to Buy a House in the Winter
Source: The Atlantic

Home prices can vary because buyers are unusually idiosyncratic—some people will fall for a house just because it has a walk-in closet, an extra bathroom, or a breakfast nook. These idiosyncrasies cause two different buyers to place wildly different values on the same house, which can produce some surprisingly rapid fluctuations in price.

Making sense of the story:

  • There are seasonal differences in home prices.  For example, the cost of a home is higher in the summer than in the winter.  These seasonal shifts are well documented—most housing indexes provide “seasonally adjusted” prices—but many models of the housing market have failed to account for them.
  • The reason for the difference?  In the summer, there are many houses for sale, people find their ‘ideal house’ quickly, and they are willing to pay a higher price.  While it’s true that homes generally cost less in the winter, that’s also when there are fewer out there to choose from—and thus when it’s harder to find a perfect fit.
  • Because there is this critical mass that prefers searching in the summer, sellers list their houses for sale in the summer.  And because there are more houses for sale, buyers also then prefer to search in the summer.
  •  People who move into new homes during the summer are often more satisfied with their purchases: They tend to live in those homes longer and spend a lot less money on remodeling. But, for those rare few who aren’t as picky about a house as everyone else, it makes sense to buy in the winter, when the pickings are slimmer but the prices are too.

Category : Blog

FHFA Loan Limits

Author profile image

FHFALast month, the Federal Housing Finance Agency (FHFA) announced it will keep the 2015 maximum conforming loan limits for mortgages acquired by Fannie Mae and Freddie Mac at $417,000 on one-unit properties in most areas and a cap of $625,500 in high-cost areas.  Four California counties even saw an increase in their loan limit due to higher home prices (Monterey from $483,000 to $502,550; Napa from $592,250 to $615,250; San Diego from $546,250 to $562,350; and Ventura from $598,000 to $603,750).

On a related note, in early December, the Federal Housing Administration (FHA) also announced its loan limits for 2015, leaving the maximum loan limit in high-cost areas at $625,500 beginning Jan. 1, 2015.  Loan limits were increased in four California counties from their 2014 maximum limits, including Monterey, Napa, San Diego, and Ventura counties.  View loan limits in high-cost areasView loan limits in low-cost areas.

Fannie Mae and Freddie Mac also announced new loan programs that could make it easier for well-qualified, first-time and lower-income home buyers to purchase a home.  Both GSEs will back mortgages with down payments of as low as 3 percent, which will help struggling first-time buyers who are trying to save enough for a down payment.  Fannie Mae’s program, called “My Community Mortgage,” is available to first-time buyers, and eligible homeowners who wish to refinance their Fannie Mae-owned mortgage but don’t qualify under the Home Affordable Refinance Program (HARP).  Freddie Mac’s program, called “Home Possible Advantage” is open to first-time buyers and other qualified borrowers with limited down payment savings.  Both programs require private mortgage insurance.  Fannie Mae’s program was effective last weekend, and Freddie Mac’s program will begin in March 2015.

View Fannie Mae’s announcement.

View Freddie Mac’s announcement.

In late November, the FHFA also announced qualified buyers would be allowed to purchase Fannie Mae and Freddie Mac REO properties at current market value, effective Nov. 25, 2014.  Previously, homeowners who went through foreclosure and wanted to buy their homes back had to pay the entire amount owed on the mortgage.  The change also allows a third party to purchase the property on behalf of the previous owner.  View FHFA’s REO announcement.  

Category : Blog

Fannie Mae 3% Down Payment Program GOES LIVE

Author profile image

Great news for Buyer…Fannie Mae is re-releasing the 3% Down Payment program.  There a numerous Down Payment Assistance programs available that can get a borrower into a home with as little as 0.5% down payment.   Check with a lender for more specifics.

Some quick product notes:

  • Max CLTV is 105%, meaning they have use Down Payment Assistance programs
  • One of the borrowers must be a First Time Homebuyer (meaning they haven’t owned a home in the last 3 years)
  • Homebuyer Education MAY be required depending on the program used
  • SFR, PUDs, and Condos allowed
  • PMI is HALF the cost of FHA, and does not stay for the life of the loan

Category : Blog

Survey Confirms Yard Signs, Open Houses Taking a Back Seat to Mobile

Author profile image

NAR survey shows plateau in share of buyers who find home on Internet

It’s official: Homebuyers, particularly young ones, are now more likely to get information from mobile apps and websites than yard signs and open houses, according to an annual survey released today by the National Association of Realtors.

“While yard signs and open houses have historically been used most frequently after online websites and real estate agents, the use of mobile technology is now outpacing these traditional sources in the home search process,” the 2014 NAR Profile of Home Buyers and Sellers said.

Information sources used in home search, by age

Source: 2014 NAR Profile of Home Buyers and Sellers


And while buyers are more likely to find the home they end up purchasing on the Internet than through an agent, the proportion who do so appears to have plateaued. After rising from 8 percent to 40 percent from 2001 through 2011, the percentage of buyers who found their homes on the Internet has remained steady at 43 percent for two years in a row.

Where buyers found the home they purchased

Source: 2014 NAR Profile of Home Buyers and Sellers


The survey also found that the proportion of first-time homebuyers dropped to its lowest level in close to three decades.

First-time homebuyers represented 33 percent of homebuyers surveyed, a drop of 5 percentage points from the previous year’s survey and the lowest proportion since 1987 when it stood at 30 percent.

After searching for homes online, the survey found first-time homebuyers were much more likely than repeat buyers to look for information on how to get a mortgage, and to request more information about a home. They were also slightly more like to find the agent that they ultimately used to search for or buy a home.

Actions taken as a result of Internet home search

Source: 2014 NAR Profile of Home Buyers and Sellers


NAR sent the 127-question survey out in July and received 6,572 responses. The survey covers owner-occupants and does not include investors or vacation homes.

“Rising rents and repaying student loan debt makes saving for a down payment more difficult, especially for young adults who’ve experienced limited job prospects and flat wage growth since entering the workforce,” NAR Chief Economist Lawrence Yun said in a statement.

The Internet is a slightly more central tool for homebuyers in the home search process than agents, the survey showed. Respondents ranked websites above real estate agents for both the frequency and usefulness in their home search.

In the survey, 88 percent of respondents said they frequently or occasionally used a website to search for a home, edging real estate agents by just one percentage point.

In addition, homebuyers revealed that the Internet was by far their first destination when initiating the homebuying process. Forty-three percent of the survey respondents said their first step in the homebuying process involved searching for properties online. Contacting a real estate agent ranked second, with 15 percent of respondents indicating that as their initial move.

As in last year’s survey, the Internet was the No. 1 tool buyers used to find the house they eventually bought, representing 43 percent of survey respondents. Agents came in at No. 2 at 33 percent.

Use of the Internet didn’t obviate homebuyers and sellers’ use of an agent, however.

“Ninety percent of homebuyers who searched for homes online ended up purchasing their home through an agent,” said NAR President Steve Brown in a statement. “In fact, buyers who used the Internet were more likely to purchase their home through an agent than those who didn’t (67 percent).”

Homebuyers and sellers are using real estate agents at a healthy clip, according to the report. The survey showed that 88 percent of both buyers and sellers used an agent to help them purchase or sell their home.

As in last year’s survey, 9 percent of sellers in the 2014 survey said they sold their home themselves, without the help of an agent.

Of those homebuyers who used the Internet, 54 percent and 51 percent used a mobile device or a mobile search engine, respectively, to search for a home.

Homebuyers ranked photos, detailed property info, interactive maps and virtual tours, in that order, as the most useful website features for home search.

Value of website features

Source: 2014 NAR Profile of Home Buyers and Sellers


The Internet also played a slightly more central role for buyers in choosing an agent in this year’s survey compared to last year’s, but personal referrals still dominate.

Ten percent of homebuyers queried in the 2014 survey said they found their agent online compared with 9 percent last year. In addition, a higher proportion of buyers reported they found their agent through an agent referral than last year.

Zillow, Trulia and and other real estate tech firms are focused on building products, like well-rounded agent profile pages, to help connect buyers with agents in new ways on the expectation that the Internet will play an increasingly central place in the process in years to come.

On the seller side, the Internet’s prominence in bringing sellers and agents together didn’t change from a year ago. Just 4 percent of sellers reported finding their agent through the Internet in the 2014 survey.


Source – Paul Hagey

Category : Blog

Alameda County Cited as National Model for Boosting Economic Development

Author profile image

Association of counties praises work here to create jobs. maintain healthy revenue base

A new study issued by the National Association of Counties (NACO) highlights Alameda County programs as prime examples of the innovative new ways local governments are spurring regional economic growth both to create jobs and to maintain a healthy revenue base that supports core government programs.

Alameda County efforts cited in the NACO study, titled “Strong Economies, Resilient Counties,” include programs that work to attract and retain local business, boost the job skills of at-risk youth and job-seeking parents, and offer economic incentives to companies to provide jobs to help local residents transition off public assistance.

These efforts were also highlighted in discussions earlier this month at NACO’s Annual Meeting in New Orleans, a gathering that involved officials from most of the more than 3,000 counties in the U.S.

Front and center in the NACO study are the activities of the East Bay Economic Development Alliance (East Bay EDA), an innovative partnership involving government, business, the nonprofit sector and higher education that works to strengthen the regional economy and boost employment opportunities for people transitioning from government support.

“It’s a story we are happy to share with colleagues from around the country,” said Susan S. Muranishi, Alameda County Administrator. “The story involves strong alliances we’ve built with the private sector that help businesses in our region to thrive and allow for a greater number of our residents to transition from government assistance to employment and economic advancement.”

The study details the success Alameda County and East Bay EDA have seen in working to improve the outcomes for people enrolled in the state’s CalWORKs public assistance program. One crucial pathway to success has been East Bay EDA’s promotion of County hiring incentives with the business community to encourage the hiring of CalWORKs clients. Local businesses have taken advantage of wage subsidies, on-the-job training reimbursements and funds for training through Alameda County’s Social Services Agency and its Workforce Investment Board.

The study also cites Alameda County’s ongoing efforts through East Bay EDA to connect underserved populations to emerging technologies. It specifically cites the East Bay Broadband program, a unique initiative launched in 2012 to bridge gaps in broadband access in low-income communities in Alameda, Contra Costa and Solano counties.

The program provides computers, training, virus protection software and low-cost internet subscriptions to low-income households. Last year, Alameda County donated 500 recycled computers to help participants access technology for education, job and health care services.

Also cited in the NACO study are programs Alameda County launched to help disadvantaged youth and local small and minority-owned businesses become more self-sufficient. These programs include:

The New Beginnings initiative, which partners with private industry to create vocational training and job opportunities for at-risk youth, including young people transitioning from the juvenile justice and foster care systems.

Dig Deep Farms and Produce, venture launched by the Alameda County Deputy Sheriffs’ Activities League (DSAL) that provides fresh produce and sustainable employment to local residents – including adults and youth transitioning from the criminal justice system – by growing fruit and vegetables, and purchasing organic produce from other local farms to be sold and distributed in the community.

The Small, Local and Emerging Businesses (SLEB) Program, which expands opportunities for local and minority-owned businesses to compete for County vendor and service contracts. Between July 2009 and January 2014, SLEB clients received nearly $250 million in County contracts.

“We are proud to be getting some national attention for the innovative programs and productive alliances we have formed that are stimulating economic growth in the region and creating opportunities for all segments of our community to benefit from this strengthening economy,” said Alameda County Supervisor Keith Carson, chairman of East Bay EDA.

NACO looked at a select few communities nationwide in its study, which concluded that government collaborations with the private and nonprofit sectors are a common theme in successful economic development efforts led by counties.

To learn more about Alameda County and the East Bay Economic Development Alliance go to

To see the NACO report on the roles of counties in economic development, go to

Category : Blog

Pleasanton Ranks #4 on National List of Best U.S. Cities

Author profile image

Survey cites city’s excellent schools, low crime, high employment numbers

10619_mainPleasanton ranks No. 4 in a recent survey of America’s 50 Best Cities to Live In conducted by 24/7 Wall Street, a nationally recognized online website targeting investors and the business community.

The list was profiled in an article in yesterday’s edition of the nationally-circulated daily newspaper USA Today. It was also talked about on yesterday’s “Live with Kelly & Michael” morning television show on ABC.

The staff at 24/7 Wall Street reviewed data on 550 cities with populations of 65,000 or more, as measured by the U.S. Census Bureau. The ranking was determined on the basis of variables such as crime, education, employment growth, leisure, infrastructure, environment, and housing affordability.

“Pleasanton is a community where everyone makes an investment into the greater good and it’s reflected through excellent schools, a robust economy, and amenities for all who live and work here,” observed Pleasanton City Manager Nelson Fialho. “We’re very honored to receive this recognition.”

Pleasanton ranked highest on safety, with a 97.4% score in the category, not surprising considering that violent crime per 100,000 residents is 68.2.

Education in Pleasanton garnered another high score, at 91%, and the survey narrative describes local students as “having access to a high-quality education, with secondary students performing well above the state average in math, language arts, and science last year.”

The website ranks Pleasanton Unified School District among the Top Ten school districts in California, and both of the city’s comprehensive high schools consistently rank among the Top 100 High Schools in California by U.S. News and World Report.

Economic indicators were also factored into the formula to determine America’s 50 Best Cities to Live In, and Pleasanton ranked high in this category, with an 84.7. The median income in Pleasanton ($112,000) is among the highest in the country, and the unemployment rate in the city is just 3.7%, one of the lowest rates nationwide. Several large business parks, including

Hacienda, a business park that is the largest in Northern California, provides employment for more than 40,000 workers in the city.

The high employment is complemented by Pleasanton’s central location, at the axis of Interstates 580 and 680, and with two BART stations, giving it an average commuter travel time of 28.9 minutes.

Category : Blog

Home Sales and Prices Improve in July

Author profile image

California Home Sales and Prices Improve in July

But pace of price appreciation slows

California home sales in July posted higher for the second straight month, and while the statewide median home price rose from the previous month as well as a year ago, the pace of appreciation continued to slow.

A report by the California Association of Realtors (CAR) showed that closed escrow sales of existing, single-family detached homes in California totaled a seasonally adjusted annualized rate of 398,940 units in July, according to information collected from more than 90 local Realtor associations and MLSs statewide.

July marked the ninth straight month that sales were below the 400,000 level and a full year that sales have declined on a year-over-year basis. Sales in July increased 1.2% from a revised 394,250 in June but were down 10% from a revised 443,500 in July 2013. The July 2014 sales rate was the highest since October 2013.

The statewide sales figure represents what would be the total number of homes sold during 2014 if sales maintained the July pace throughout the year. It is adjusted to account for seasonal factors that typically influence home sales.

“It’s encouraging that home sales have risen in the past two months, but low housing affordability and stringent underwriting standards are still holding back sales,” said CAR President Kevin Brown.

“However, recent news of changes to how credit scores are determined should make it easier for first-time buyers who are on the cusp of qualifying and others who are having a difficult time getting a loan because their credit scores are less than satisfactory,” he added.

The statewide median price of an existing, single-family detached home edged up 1.6% from June’s median price of $457,630 to $464,750 and up 7.1% from the revised $433,740 recorded in July 2013. The statewide median home price has increased year over year for the previous 29 months, marking more than two full years of consecutive year-over-year price increases.

The median sales price is the point at which half of homes sold for more and half sold for less; it is influenced by the types of homes selling as well as a general change in values.

“While the market improved on a month-to-month basis, statewide home sales experienced another double-digit loss on an annual basis and is down 10.2% year to date,” said CAR Vice President and Chief Economist Leslie Appleton-Young. ” Last July’s sales level was higher than normal as sales increased in response to rising interest rates as the markets anticipated the Fed’s ‘tapering” initiative.'”

“Moving forward, improving inventory, recent lower interest rates, and a tempering of home prices should help spur sales in the coming months,” she added.

Other key facts from CAR’s July 2014 resale housing report include:

  •  Housing inventory moved slightly higher in July, with the available supply of existing, single-family detached homes for sale increasing from 3.7 months in June to 3.8 months in July. The index was 2.9 months in July 2013. A six- to seven-month supply is considered typical in a normal market.
  • The median number of days it took to sell a single-family home also rose in July, up from 33.9 days in June to 35.7 days in July and up from a revised 27.9 days in July 2013.
  • Mortgage rates dipped in July, with the 30-year, fixed-mortgage interest rate averaging 4.13%, down from 4.16% in June and down from 4.37% in July 2013, according to Freddie Mac. Adjustable-mortgage interest rates in July averaged 2.39%, down from 2.40% in June and down from 2.66% in July 2013.

Category : Blog

Bay Area Leads in Home Prices

Author profile image

Bay Area leads country in highest home prices

Home-price growth continued to moderate in many metropolitan areas in the second quarter with and national year-over-year price appreciation now at its slowest pace since 2012.

The National Association of Realtors, in its latest quarterly report, states that the median existing single-family home price increased in 71% of measured markets, with 122 out of 173 metropolitan statistical areas showing gains based on closings in the second quarter compared with the second quarter of 2013. Forty-seven areas (27%) recorded lower median prices from a year earlier.

There were fewer rising markets in the second quarter compared to the first quarter, when price increases were recorded in 74% of metro areas. Furthermore, 19 areas in the second quarter (11%) had double-digit increases, a sharp decrease from the 37 areas last quarter and the overall average of 43 areas since the second quarter of 2013.

Lawrence Yun, NAR chief economist, said price increases are balancing out to the benefit for both buyers and sellers.

National median home prices began their most recent rise during the first quarter of 2012 but had climbed to unsustainable levels given the current pace of inflation and wage growth,” he said.

“At this slower but healthier rate, homeowners can continue steadily building equity,” he added. “Meanwhile, for buyers, increased supply with moderate price gains is giving them better opportunities to choose.”

The national median existing single-family home price in the second quarter was $212,400, up 4.4% from the second quarter of 2013 ($203,400). The median price during the first quarter of 2014 rose 8.3% from a year earlier.

Yun added that despite the stabilization in price growth, sharp increases still exist in some markets and are impacting sales, notably on the West Coast where inventory shortages are more prevalent.

“New construction for ownership housing and rentals is needed to alleviate price and rent pressures and accommodate their growing populations,” he said.

Total existing-home sales, including single-family and condo, increased 5.8% to a seasonally adjusted annual rate of 4.87 million in the second quarter from 4.60 million in the first quarter, but are 4.5% below the 5.10 million pace during the second quarter of 2013.

Distressed homes, a category that includes foreclosures and short sales, generally sold at discount and accounted for 12% of second quarter sales, down from 17% a year ago.

“Fewer distressed sales will help diminish appraisal problems,” Yun said.

According to Freddie Mac, the national average commitment rate on a 30-year conventional fixed-rate mortgage fell each month during the second quarter to an overall average rate of 4.23%, down from 4.36% during the first quarter of the year. These mortgages were 3.70% in the second quarter of 2013.

Lower interest rates and a slight rise (0.7%) in the national family median income ($64,751) led to improved buying power in a majority of metro areas during the second quarter. To purchase a single-family home at the national median price, a buyer making a 5% down payment would need an income of $47,816, a 10% down payment would require an income of $45,299, and $40,266 would be needed for a 20% down payment.

Total housing inventory showed much-needed improvement at the end of the second quarter at 2.30 million existing homes available for sale, which is 6.5% higher than a year ago. The average supply during the quarter was 5.6 months; it was 5.1 months in the second quarter of 2013. A supply of 6 to 7 months represents a rough balance between buyers and sellers.

NAR President Steve Brown, co-owner of Irongate, Inc., Realtors in Dayton, Ohio, said even with the increase in supply, Realtors across the country are reporting that properties are selling faster than earlier in the year.

“The improving economy and lower interest rates are increasing the pool of interested buyers,” he said. “On the contrary, competition remains tight and all-cash offers are still a common occurrence. This inevitably is causing hesitation for some first-time buyers, who are more likely to have lower down payments and need to secure financing amidst tight credit conditions.”

Metro area condominium and cooperative , covering changes in 62 metro areas, showed the national median existing-condo price was $211,100 in the second quarter, up 5.9% from the second quarter of 2013 ($199,300). Forty-seven metro areas (76%) showed increases in their median condo price from a year ago; 15 areas had declines.

The five most expensive housing markets in the second quarter were the San Jose metro area, where the median existing single-family price was $899,500; San Francisco, $769,600; Anaheim-Santa Ana, $691,900; Honolulu, $678,500; and San Diego, $504,200.

The five lowest-cost metro areas in the second quarter were Youngstown-Warren-Boardman, Ohio, where the median single-family home price was $78,600; Rockford, Ill., $85,300; Elmira, N.Y., $87,800; Decatur, Ill., $90,900; and Toledo, Ohio, $95,900.

Regionally, total existing-home sales in the Northeast rose 5.1% in the second quarter but are 4.1% below the second quarter of 2013. The median existing single-family home price in the Northeast was $255,500 in the second quarter, down slightly (0.9%) from a year ago.

In the Midwest, existing-home sales increased 9.4% in the second quarter but remain 6.1% below a year ago. The median existing single-family home price in the Midwest increased 4.4% to $167,600 in the second quarter from the same quarter a year ago.

Existing-home sales in the South climbed 3.4% in the second quarter but are 1.0% below the second quarter of 2013. The median existing single-family home price in the South was $187,300 in the second quarter, 3.7% above a year earlier.

In the West, existing-home sales rose 7.1% in the second quarter but remain 9.0% below a year ago. The median existing single-family home price in the West jumped 7.3% to $297,400 in the second quarter from the second quarter of a year ago.

Category : Blog

About Us

Since 1970 Rinetti & Co. Realtors has been selling residential and commercial real estate throughout the greater East Bay. We are boutique real estate company with a single focus, exceptional customer service from start to finish. Rinetti & Co. Realtors has the experience and practical knowledge to adapt to changing market conditions while providing our clients expert advise when buying or selling a home. If you’re considering making a move please contact us and see the difference Rinetti & Co. Realtors can make for you.


The only realtors in San Leandro...You will not meet two finer or more ethical realtors. The best! - Gary S.

Rinetti & Co. turned out to be the perfect place for me to do business...I would not hesitate to recommend their services to anyone buying or selling property. - Mary K.

...As I am sure you are aware, a house is stucco, wood and nails, but a home is where a lifetime of memories are created. Our mother was very proud of her home, it meant so much to her.

- Trent B.

...Thanks for your patience, guidance & professionalism, you made this experience a great one that we will never forget...We can’t thank you enough, thanks a bunch!!! - Rocio R.

If anyone in the East Bay is looking to buy or sell a home, please consider my friends and agents Tianne Rinetti-Vittoria and Perry Vittoria! They helped us buy our house and did an amazing job! They go above and beyond.”

- Chris S.

San Leandro Office
1103 MacArthur Boulevard
San Leandro, CA 94577

(510) 568-6171

Pleasanton Office
6754 Bernal Avenue, Suite 740-176
Pleasanton, CA 94566
(925) 364-5013

Email Us

CA BRE Lic. #01461822

Send to Friend

Email Agent