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Instagram Public Photos with #moraga

Smoke fills the air in the area of buckingham drive in #moraga as a brush fire burns dangerously close to homes. about 15 homes have been evacuated at this point. #breakingnews #brushfire #moragafire #abc7news #brushfire

July 2018 comment 11 star 218

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🔸featured artist: @vincentjamesphotography
🔸location: moraga, california
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🔹official tag #splendid_vibe .........................................................
🔸selected by: @pinkines
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February 2018 comment 46 star 1,422

@hellololalolita takes amazing pictures. ❤️#stairway #moraga

2 weeks ago comment 12 star 238

Anyone else planning big things in 2019? 😆 this #eastbaitbuyer we’re reviewing the home buying process. there is some ambiguity around the how of buying a house. here is an abbreviated look at the milestones of home buying: prep financing, offering, contingency removal, funding and closing. watch my story for more of a walkthrough!
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1. prep financing - a lender will evaluate your financial information to give you an approval letter. the evaluation process includes requesting bank statements, running your credit, looking at your liabilities (car loans, student loans, cc debt), and verifying your income. using that information, the lender will determine the size of the loan that you can be approved for.
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2. offering - your offer includes your approval letter, the terms of your offer (referred to as a purchase agreement), proof of funds (a bank statement showing that you have enough money for your down payment), a personal letter to the seller, and a packet of reports and inspections about the house that you sign off on (referred to as a disclosure packet).
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3. contingency removal - once your offer is accepted, the contingency periods begin. a contingency is a is a protective clause that allows a buyer to back out of a contract. there are three types of contingencies: inspection, appraisal and loan contingency. i will explain contingencies in greater detail in a future post.
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4. funding - a large part of why homes take 14 -30 days to close is because the lender needs time to do the underwriting on your loan. expect to be in frequent contact with your lender as they dissect your income, assets and any large transactions that have occurred in the past 2-3 months.
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5. closing - you have “closed” on a home when the lender releases the funds for your loan and the title company notifies the county that you are the new owner (referred to as “recording”).
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of course there is paperwork every step of the way, but that’s what i’m here for! congrats, you know how to buy a home!

4 days ago comment 41 star 268
February 2018 comment 14 star 441

So i'm driving home today and realize part of my town is on fire. thank you to all who work in emergency services. especially the pilot of this plane. keep up the hard work!! we appreciate everything you do!! side note. this was taken on my #samsung galaxy s8 active.
#fire #calfire #hero #moraga

July 2018 comment 28 star 389

#breakingnews a fire is burning along #moraga road this afternoon. according to authorities, the fire is in the buckingham neighborhood, and is moving in the northeast direction towards the open space. homes on buckingham drive are being evacuated. live pictures streaming now on our facebook page. #staysafe #thankyoufirefighters🚒

July 2018 comment 10 star 740