Page 8 October 3, 2013 49ers Searching For Gold By Adam Serrao NFL is not to be one-dimensional. Opposing Just when you thought that the San Francisco defenses will key in on that and cripple the ‘49ers 2013-14 football season was taking a offense almost immediately. As starting tight Renovation Loans give Homebuyers to becoming next in the line of tragic Super ‘49ers showed that they are anything but one-end Vernon Davis explained, last week theturn for the worse, and the team was on its way an Edge in a Competitive Market with just one game. In what appeared to be about Colin Kaepernick or who’s playing widedimensional. “We showed today that it’s not justBowl losers, they turned everything around (BPT) - Just a year ago, homebuyers could improvements. Buyers can use a renovation the team’s first crisis in quite some time, the receiver for us. You can’t forget about people choose from a bounty of properties on the loan to get into the neighborhood of their Niners lost two games in a row to two playoff like Frank Gore, our other running backs, people market. Today things are starkly different. In dreams, quickly build equity and customize contending teams in consecutive weeks--and like Anthony Dixon,” Davis said. “We have a many locations throughout the United States, a home to their personal preferences. inventory of homes for sale is at historic lows, Several variations of renovation loans are creating a seller’s market where multiple available. FHA renovation loans are called “One thing that is clear about these Los Angeles Dodgers buyers get into bidding wars is that when healthy, they are clearly a team over move-in-ready homes. that is built for the postseason.” “Move-in-ready homes may be selling like hotcakes, but older homes or damaged properties are lost them badly. Starting quarterback Colin good core of guys there and it’s good to utilize often passed over,” says Kaepernick looked dismal, to say the least, them. It’s important to let people know we still Margaret Kelly, CEO failing to throw even one passing touchdown have other weapons too.” Perhaps what’s most with RE/MAX. “This is a in their two-loss stretch while accumulating important is that the coaching staff recognizes big opportunity for smart only 277 yards passing in the same amount of that too. It took two horrible losses, one to a buyers who are willing to time. Running back Frank Gore wasn’t used to divisional opponent and assumed Super Bowl overlook cosmetic or other his full potential and was almost reduced to a contender (Seattle Seahawks), for Harbaugh and imperfections.” relative non-factor. Combine that with injuries offensive coordinator Greg Roman to realize If buyers can look beyond aesthetic 203(k) loans. How much money you want to their passing game and coach Jim Harbaugh, that Gore should be more heavily utilized in characteristics like paint color, hardware and to borrow and the kinds of improvements as well as San Francisco fans everywhere, had the offense. Gore reportedly even had some floor coverings, they may discover a diamond you plan to make will determine which of every reason to begin panicking. Last Thursday “choice words” for Harbaugh on the sideline in the rough, especially if the home is in the the two 203(k) types you need. Freddie Mac night at the Edward Jones Dome in St. Louis, as the waning seconds ticked off the clock in neighborhood where they prefer to live. For and Fannie Mae have their own specific types however, the ‘49ers showed flashes of why they their last loss to the Indianapolis Colts. Now, example, if they like the overall design of a of renovation loans. should be considered among the league’s elite however, it all seems to be paying off as Gore particular home, but the kitchen is straight Requirements for the borrower, the amount teams. With their 35-11 beat-down of the Rams, (153 yards, 20 carries, one TD), Harbaugh and out of the ‘70s and the deck needs major you can borrow, and the overall structure it became clear that Harbaugh and company the ‘49ers look to be clicking on all cylinders, repairs, a renovation loan can help them of the loan are different for each program. needed to lose something first before they at especially on offense after their week four purchase the property while upgrading the Typically, the loan is based on the estimated once gained it all back. 24-point victory. kitchen and outdoor space exactly how they home value after improvements, and buyers The 49ers entered last week’s game with If the ‘49ers want to gain any sort of continued want them. will need to get bids from licensed contractors injuries mounting, a losing streak swelling, a success, they must first remember what got “Many homebuyers are surprised you don’t to help determine the total loan amount as well quarterback struggling and a star defensive player them there in the first place in recent years need a ton of money in the bank to fund as a timeline for the work to be completed. (Aldon Smith) battling alcohol issues. The team past--a dedication to gritty defense, a spirited improvements,” explains Kelly. “A special Because finding a home and getting approval exited the game with what now seems to be a running game, amazing special teams and type of loan called a renovation loan is ideal of a renovation loan can be complicated, it’s bright future in front of them after a victory a resourcefulness that is almost unmatched. for these types of homes because it covers wise for buyers to work with a real estate that may just have boosted every player on Kaepernick without a doubt is resourceful and both the cost of the mortgage and repairs.” specialist who has experience in these types the team’s confidence. What the ‘49ers gained he simply must produce. Unless the quarterback Renovation loans can also help buyers who of sales. after controlling the game against the Rams is working together with the running game want to purchase in a particular neighborhood “A renovation loan really does give was a sense of identity. They didn’t just go and his receivers, the ‘49ers simply can’t where most home prices exceed their budget. homebuyers an edge in today’s competitive to St. Louis and beat up a weaker opponent win against the better teams in the NFL. The Properties that need work are typically listed market,” says Kelly. “It’s definitely something like all of their fans think they should easily victory over the St. Louis Rams was a great at a lower cost and often go unsold, creating to research and determine whether it’s right be able to do, but they found themselves in the one and it undoubtedly returned the team a an opportunity for people willing to make for you.” • process. The way that San Francisco reached sense of identity that had otherwise been lost. the Super Bowl last season was by combining a The road is far from over for Harbaugh and bruising offensive line with a ground-and-pound company. The Seahawks aren’t their only tough * out their opponents. When Gore wasn’t toting wishes to make it back to the Super Bowlcompetition in the division. If San Franciscorushing game headed by Gore to simply tire I am a Downsizing Mentor! like running ability while Michael Crabtree going to first have to go through teams likefor the second time in as many years, they’rethe rock, Kaepernick was flaunting his gazelle- would occasionally find ways to open himself the Falcons, Saints, Packers and Bears. The up in the end zone. Crabtree has turned into ‘49ers will have to find a way to build on last Anquan Boldin, Gore rushed for 153 yards week’s win and carry their revitalized energy and a touchdown, and Kaepernick got back forward--but for now, with just one win, it on the board throwing for two touchdowns. seems as if they can include themselves in The key to success for any team in the that pack of great NFC teams once again. • Dickie Van Breene 310-489-3151 dickie.vanbreene@shorewood.com *Kay Grundhaus, has found a way to make her job even more meaningful. As a 30+ year resident of the South Bay and a long time member of many local community service organizations, she has always participated in charitable and community volunteer activities. Now she is offering a unique program in conjunction with her real estate business to fulfill her desire to “pay it forward.” Whenever Kay helps someone in the South Bay area to buy or sell a home, she will contribute 10% of her commission to the charity of THEIR choice on their behalf. “We make a living by what we get. We make a life by what we give.”~Winston Churchill Lic. ID 01916507 www.shorewood.com Not a member? It’s easy to join! Mortgage Loan ConsultantNMLS# 1010087 Kinecta Federal Credit Union • 1440 Rosecrans Avenue, Manhattan Beach, CA 90266 E: Eric.Kari@kinecta.org Established 1940 • Not-For-Profit • Over 250,000 Members C: (310) 418-5641
Manhattan 10_03_13
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