Show cover of Bay Area Tech Realtor Nagaraj Annaiah

Bay Area Tech Realtor Nagaraj Annaiah

Every week, I will give you the latest real estate happenings in the Bay Area. Besides, I will give you tips and tricks to sell or buy a home in these parts. Stay tuned.

Tracks

Q&A with Nagaraj Annaiah on Bay Area's Only Bollywood Station
Q&A with Nagaraj Annaiah on Bay Area's Only Bollywood Station
26:24 09/25/2022
Q&A with Nagaraj Annaiah on Bolly 92.3 radio station
Q&A with Nagaraj Annaiah on Bolly 92.3 radio station
26:12 08/28/2022
Q&A with Nagaraj Annaiah on Bolly 92.3 radio station
Q&A with Nagaraj Annaiah on Bolly 92.3 radio station
23:19 08/21/2022
Chinese invasion in California real estate
Chinese invasion in California real estate
00:46 08/15/2022
Q&A with Nagaraj Annaiah on Bolly 92.3 radio station
Q&A with Nagaraj Annaiah on Bolly 92.3 radio station
22:21 08/14/2022
First time home buyers are getting a second chance
First time home buyers are getting a second chance
00:30 08/13/2022
If you want to buy a house in your lifetime, listen to this!
If you want to buy a house in your lifetime, listen to this!
00:35 08/12/2022
How to game the system and create wealth
How to game the system and create wealth
00:29 08/11/2022
5 assets that will make you rich
5 assets that will make you rich
00:48 08/10/2022
Hack to building wealth
Hack to building wealth
00:25 08/09/2022
Why the rich stay rich and the poor stay poor
Why the rich stay rich and the poor stay poor
00:28 08/08/2022
How to get rich quick
How to get rich quick
00:30 08/06/2022
How to make money with no money (Part 4)
How to make money with no money (Part 4)
00:37 08/05/2022
How to make money with no money (Part 3)
How to make money with no money (Part 3)
00:26 08/03/2022
How to make money with no money (Part 2)
How to make money with no money (Part 2)
00:14 08/02/2022
How to make money with no money
How to make money with no money
00:27 08/01/2022
Interview with Nagaraj Annaiah on Bolly 92.3 FM
Interview with Nagaraj Annaiah on Bolly 92.3 FM
27:31 07/26/2022
Bought house but H1B visa denied?
Even if your H1B visa or extension gets denied, you have a few options. Here are three ways that buying a house while on an H1B visa could work out for you in the long run:#1 Rent your house in the US if your H1B visa gets denied. When this happens, you can rent out your house and avoid the hassle of selling it. This will allow you to keep living in the US even after leaving your home country or moving elsewhere.#2 Sell your house on an H1B visa if you have to return to your home country or move elsewhere. If you decide to sell your house and leave for good, don't worry—you can still sell it! If someone buys it from you, they'll pay off the mortgage so that nothing defaults when you leave America behind.#3 Allow your family or friends to live there as well.
00:47 07/21/2022
6 most vulnerable markets in New Jersey
If you live in New Jersey, you may want to pay attention to a new report from ATTOM, which ranks the 10 counties most vulnerable to a downturn.The study looked at the highest concentrations of the most at-risk markets in the first quarter of 2022 — and six of them were in New Jersey. The report considered factors like foreclosure rate, mortgage balances that exceed property values, unemployment rate, and average local wages required to pay for major home ownership expenses on median-priced single-family homes. Here they are...(Watch the rest on my Youtube channel)
00:51 07/21/2022
7 Requirements for H1B Mortgages
On an H-1B visa, most lenders will decide the status of a mortgage applicant on a case-by-case basis by utilizing the information available to them. The following is required by most lenders...SSNValid work visa2 years US credit history2 years US employment historyGood credit score, ideally over 670US income that you expect to continue for at least 3 yearsIf you are applying for an FHA loan, you will need an Employment Authorization Document (EAD) from the USCIS.
00:26 07/20/2022
Top 4 reasons why you should consider buying a house on an H1B visa
First off, owning a home has been proven to improve your quality of life in the US. You have more security and stability in your life, which leads to better mental health and happiness.Second, buying a house is a safe and secure way to build wealth for H1B visa holders. You can deduct mortgage interest payments from your income taxes, so it's like getting an interest-free loan from the government!Third, owning a home is generally cheaper v/s renting on an H1B visa. This is especially true if you buy in an area where property values are rising quickly—the rent-to-own strategy lets you lock in these low rates!Fourth, mortgage payments are less volatile than rent payments: if your income goes up or down during the year, it won't affect your ability to make payments on time.
00:48 07/16/2022
FHA loans for H1B visa holders
If you're an H1B visa holder, you're probably wondering if you can buy a home with an FHA loan. The answer is yes!FHA loans are government-backed mortgages insured by the Federal Housing Administration. They require lower minimum credit scores and down payments than many conventional loans, making them especially popular with first-time homebuyers and H1B visa holders.For an H1B visa holder, the eligibility for an FHA loan depends on the borrower meeting the following guidelines: The property will be the Borrower’s Principal Residence;The Borrower has a valid SSN, except for those employed by the World Bank, a foreign embassy, or equivalent employer identified by HUD;The Borrower is eligible to work in the United States, as evidenced by the Employment Authorization Document issued by the USCIS; andThe Borrower satisfies the same requirements, terms, and conditions as those for U.S. citizens.
00:34 07/09/2022
Conventional Mortgages v/s FHA Loans for H1B
Conventional mortgages are not guaranteed or insured by the federal government. Conforming mortgages are the most popular conventional mortgages because they fulfill the requirements to be sold to Fannie Mae or Freddie Mac, government-sponsored enterprises that purchase mortgages from lenders and sell them to investors. Here are the differences between conventional and FHA loans...
00:34 07/03/2022
How much downpayment for H1B Visa holders?
It depends on your situation. If you want to get a conventional loan and have good credit, you can put as little as 3% of the purchase price down. But if you don't have enough savings and can't afford private mortgage insurance, it's better to have at least 20% equity in your home when buying it.If you're looking for an FHA loan, most common among first-time buyers, then 3.5% of the purchase price will cover things with a credit score of 580+, while 10% will cover things with a credit score of 500-579. If your credit score isn't quite so great, then some lenders may require that you put down as much as 25% of the purchase price. 
00:40 07/02/2022
Q&A with Nagaraj Annaiah on Bolly 92.3 radio station
Q&A with Nagaraj Annaiah on Bolly 92.3 radio station
28:46 06/27/2022
Sell now or wait? Selling your house in a Bay Area shifting market
Hello there. I am Nagaraj Annaiah, a local tech realtor who will give you realty updates on Bay Area, and also help you sell or buy a home here. Subscribe to my channel to stay updated on the latest realty happenings in Santa Clara, San Benito, Monterey, Santa Cruz, and San Mateo, among others. You can also hear me take questions from listeners on Bay Area real estate every Sunday between 1230pm and 1pm on Bolly 92.3, Bay Area's Bollywood station. If you miss it, you can listen to a replay of it on podcasting channels like Apple Podcasts, Amazon Music, TuneIn, Stitcher, and Spotify, among others.  Or visit: https://bayarearealtor.buzzsprout.com. And don't forget to check out NagarajHomes.com and sign up to my monthly newsletter, or use the free mortgage calculator on the site to help you with your purchases. 00:00 Intro00:11 Rising Inflation02:35 Pricing right03:00 Patience03:20 Counter offer03:52 Termite inspections04:20 Buyer's commission04:41 Staging property04:56 Closing costs
05:32 06/23/2022
Q&A with Nagaraj Annaiah on Bolly 92.3 radio station
Q&A with Nagaraj Annaiah on Bolly 92.3 radio station. If you did not tune in, here is a chance to eavesdrop on what happened. Also visit: https://bayarearealtor.buzzsprout.com. And don't forget to check out NagarajHomes.com and sign up to my monthly newsletter, or use the free mortgage calculator on the site to help you with your purchases.
27:31 06/20/2022
Should you be worried about the upcoming recession?
Hello, I am Nagaraj Annaiah, your trusted Bay Area tech realtor. Welcome back to the channel. If you are new here, I give tips to real estate investors and first time home buyers in the Bay Area that could affect your selling, buying and mortgage requirements. Do subscribe to the channel for regular weekly updates. Hello there. I am Nagaraj Annaiah, a local tech realtor who will give you realty updates on Bay Area, and also help you sell or buy a home here. Subscribe to my channel to stay updated on the latest realty happenings in Santa Clara, San Benito, Monterey, Santa Cruz, and San Mateo, among others. You can also hear me take questions from listeners on Bay Area real estate every Sunday between 1230pm and 1pm on Bolly 92.3, Bay Area's Bollywood station. If you miss it, you can listen to a replay of it on podcasting channels like Apple Podcasts, Amazon Music, TuneIn, Stitcher, and Spotify, among others.  Or visit: https://bayarearealtor.buzzsprout.com. And don't forget to check out NagarajHomes.com and sign up to my monthly newsletter, or use the free mortgage calculator on the site to help you with your purchases. TABLE OF CONTENTS00:00 Introduction00:31 Is the Bay Area real estate market worse than 2008?02:34 A case study to prove now is the best time to buy03:17 Why recession is good for real estate investing04:50 What do I mean by "recession" in this context? 06:32 What does history teach us about recession?09:01 ConclusionCONTACT ME* Want to schedule a time for a free consultation? Or want immediate help in buying or selling homes, call me today at (408) 805-4653. You can also visit me at: https://www.nagarajhomes.com/📸Follow me on Instagram: https://www.instagram.com/nagarajanna...🧑‍💼Let's connect on Google My Business: https://business.google.com/dashboard...——MY BACKGROUNDIn April 2014, I came to the US as a software consultant. I started a
10:07 06/13/2022
Q&A with Nagaraj Annaiah on Bolly 92.3 radio station
Q&A with Nagaraj Annaiah on Bolly 92.3 radio station. If you did not tune in, here is a chance to eavesdrop on what happened. 
27:18 06/12/2022
Closing Costs and Who Pays What in California?
Hello and welcome back to my channel. I am Nagaraj Annaiah, your trusted tech realtor from the Bay Area. Most asked question during real estate transaction is what are the closing costs? Let’s understand what is closing. Also known as “settlement,” or “escrow,” closing on a home sale is the legal transfer of a property from one owner to another. Completing all of the steps necessary for the final contracts to be signed traditionally takes about a month, but in some cases, closing can take place anywhere from 15 to 60 days.Closing costs are what the buyer and seller will pay as part of the escrow transaction. Some fees are negotiable between the seller and buyer as to “Who Pays What”. 00:00 Intro04:20 Negotiate With Seller04:46 Interest Rate Reduction05:09 Shop For Mortgages05:24 Find An Agent05:43 Conclusion
06:13 06/06/2022