FYI with JVP🎙🏠: Recent Episodes

John V. Pinto, Realtor

John V. Pinto, Realtor waxes poetic on real estate, storytelling, fine living, cooking, and life in the San Francisco Bay Area.

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Homeguard home warranty and John V Pinto, Realtor discuss the potential for PG&E implementing a public safety power shut off during times of high fire, danger and homeowner coverage for purchasing a gas generator.--- Send in a voice message: https://podcasters.spotify.com/pod/show/john-pinto2/message

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Transaction Rescue service is a free benefit for members of the CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) that helps them with any mortgage-related issues or questions that may arise in their real estate transactions¹. The service provides one-on-one assistance from a lender liaison who can help with finding a lender, loan qualifications, down payment assistance, closing transactions, underwriting, short sales, funding, payoffs, REOs, deeds in lieu, and preparing clients for homeownership¹. The service also offers webinars, education, and tools to enhance the financial literacy and strategies of C.A.R. members and their clients¹²³.If you are a C.A.R. member and you need help with a stalled or challenging transaction, you can submit an inquiry online or call the helpline at (213) 739-8383¹. The service is available Monday to Friday from 9:00 a.m. to 6:00 p.m. PST¹. I hope this information is useful for you. 😊Source: Conversation with Bing, 1/24/2024(1) Transaction Rescue™ - CALIFORNIA ASSOCIATION OF REALTORS®. https://www.car.org/helplines/transactionrescue.(2) CALIFORNIA ASSOCIATION OF REALTORS® - www.car.org. https://www.car.org/.(3) Transaction Rescue Webinars - CALIFORNIA ASSOCIATION OF REALTORS®. https://www.car.org/-/media/CAR/Documents/Learn-and-Thrive/PDF/Mortgage-Rescue/Transaction-Rescue-Webinars---DPA-Availability-and-What-Are-They---1-21-21-Final.pdf?la=en&hash=73F3E2013D5620032980FD03DB75F3F3779D996D.--- Send in a voice message: https://podcasters.spotify.com/pod/show/john-pinto2/message

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John V Pinto, 50 year California Realtor, talks title, and escrow with Sal Covarrubias, San Francisco Bay Area sales manager for First American Title Company. Having a frictionless sign off experience for buyers and sellers when they’re closing escrow is the common goal between realtors, lenders, and escrow professionals.--- Send in a voice message: https://podcasters.spotify.com/pod/show/john-pinto2/message

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Realtor John V. Pinto talks with Noemi Mauricio, Clinical Community Educator for Adventist Health about Precautions to take when traveling during the COVID 19 pandemic.  Noemi articulates how to stay safe while traveling, depending on your vaccination status, your mode of transportation, etc.  For more information in Napa County, go to:  https://covid19.ca.gov/vaccines/.  In other locations, please check the Public Health- COVID-19 website for your county.  For more information in Napa County, go to:  https://covid19.ca.gov/vaccines/.  In other locations, please check the Public Health- COVID-19 website for your county.


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Realtor John V. Pinto talks with Noemi Mauricio, Clinical Community Educator for Adventist Health about the Pandemic of the Unvaccinated.  Noemi amplifies the messaging coming from the CDC.  For more information in Napa County, go to:  https://covid19.ca.gov/vaccines/.  In other locations, please check the Public Health- COVID-19 website for your county.


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Realtor John V. Pinto talks with Noemi Mauricio, Clinical Community Educator for Adventist Health.  Noemi advises us to be hyper-vigilant, NOT  relaxed, about maintaining COVID 19 protocols.  For more information in Napa County, go to:  https://covid19.ca.gov/vaccines/.  In other locations, please check the Public Health- COVID-19 website for your county.


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Realtor John V. Pinto talks with Noemi Mauricio, Clinical Community Educator for Adventist Health about COVID-19 "Breakthrough" Infections.  How likely is it for you to get infected if you've gotten vaccinated?  Noemi tells us about the different efficacy rates for each vaccine.  For more information in Napa County, go to:  https://covid19.ca.gov/vaccines/.  In other locations, please check the Public Health- COVID-19 website for your county.


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Realtor John V. Pinto and Sommelier Kara Joseph discuss the exciting and educational experience of her foray into the New York City Wine World.  If  you want to order Kara’s book  "If Wine Could Talk", go to Joseph,  Kara:  9781950906949 on Amazon.com: Books, or try Target or Bares & Noble.  You can reach Kara at   https://www.facebook.com/karatalkstowine or on any social media with  her handle “karatalkstowine”.     If you want to contact, make a comment, ask a question of John, or sell,  buy or 1031 Exchange any real estate, you can leave a voice message on  this podcast or text him at 408-785-8885.


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Realtor John V. Pinto talks with Noemi Mauricio, Clinical Community Educator for Adventist Health about COVID-19 "booster" shots and "3rd dose" vaccination shots - the Who, When and Where.  for more information in Napa County, go to:  https://covid19.ca.gov/vaccines/.  In other locations, please check the Public Health- COVID-19 website for your county.


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Realtor John V. Pinto and Sommelier Kara Joseph discuss her studies in Marketing, Mass Communications and theater at the University of Florida, and how that curricula helped prepare her for a career in Wine Education.  If  you want to order Kara’s book  "If Wine Could Talk", go to Joseph,  Kara:  9781950906949 on Amazon.com: Books, or try Target or Bares & Noble.  You can reach Kara at   https://www.facebook.com/karatalkstowine or on any social media with  her handle “karatalkstowine”.     If you want to contact, make a comment, ask a question of John, or sell,  buy or 1031 Exchange any real estate, you can leave a voice message on  this podcast or text him at 408-785-8885.


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Realtor John V. Pinto talks to Sommelier Kara Joseph about manifesting her ideal life, living amongst the vineyards and securing employment in an iconic Rutherford, California chateaux.  If  you want to order Kara’s book  "If Wine Could Talk", go to Joseph,  Kara:  9781950906949 on Amazon.com: Books, or try Target or Bares & Noble.  You can reach Kara at   https://www.facebook.com/karatalkstowine or on any social media with  her handle “karatalkstowine”.     If you want to contact, make a comment, ask a question of John, or sell,  buy or 1031 Exchange any real estate, you can leave a voice message on  this podcast or text him at 408-785-8885.


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John V. Pinto & Sommelier Kara Joseph discuss the social aspects of Wine, and how that dynamic escalates as solo tasters go from having a glass, to a shared bottle with a friend, to vertical group tastings, and from 750 ml to the excitement of galvanizing larger gatherings with magnums+.  If you want to order Kara’s book  "If Wine Could Talk", go to Joseph,  Kara:  9781950906949 on Amazon.com: Books, or try Target or Barnes & Noble.  You can reach Kara at   https://www.facebook.com/karatalkstowine or on any social media with  her handle “karatalkstowine”.     If you want to contact, make a comment, ask a question of John, or sell,  buy or 1031 Exchange any real estate, you can leave a voice message on  this podcast or text him at 408-785-8885.


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John V. Pinto & Sommelier Kara Joseph go down her Winemaker Memory Lane.If  you want to order Kara’s book  "If Wine Could Talk", go to Joseph,  Kara:  9781950906949 on Amazon.com: Books, or try Target or Bares & Noble.  You can reach Kara at   https://www.facebook.com/karatalkstowine or on any social media with  her handle “karatalkstowine”.     If you want to contact, make a comment, ask a question of John, or sell,  buy or 1031 Exchange any real estate, you can leave a voice message on  this podcast or text him at 408-785-8885.


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John V. Pinto and Kara Joseph discuss some of her favorite vineyards in France, Italy, Spain and the USA.  If you want to order Kara’s book "If Wine Could Talk",  go to Amazon.com/books Joseph, Kara:  9781950906949.  And you can reach Kara at  https://www.facebook.com/KaraTalksToWine or on any social media with her handle “KaraTalksToWine”. If you want to contact, make a comment or ask a question of John, you can leave him a voice message right on the Anchor podcast homepage.


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John V. Pinto & Kara discuss the Sommelier Certification, & words to the wise who want to pursue this course of study.  If you want to order Kara’s book  "If Wine Could Talk", go to Joseph, Kara:  9781950906949 on Amazon.com: Books.  You can reach Kara at  https://www.facebook.com/karatalkstowine or on any social media with her handle “karatalkstowine”. If you want to contact, make a comment, ask a question of John, or sell, buy or 1031 Exchange any real estate, you can leave a voice message on this podcast or text him at 408-785-8885.


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Realtor John V. Pinto & Abel Fregoso of Homebridge Mortgage discuss financing tools and how past refugees have paved the way for Afghan refugees to achieve the American Dream of Home Ownership. Voice Message us any questions right inside this podcast.


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about How To Use a FNMA "Homestyle" Loan to finance the construction of an Accessory Dwelling Unit (ADU) or Jr.ADU.


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about How To Use an FHA 203k loan to Finance the Construction of an Accessory Dwelling Unit (ADU) or a Jr.ADU.


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about how to use a cash-out refi to finance the construction of an Accessory Dwelling Unit(ADU) or a Jr.ADU.


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about using a HELOC to finance the construction of an Accessory Dwelling Unit (ADU) or Jr.ADU.


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about How To use a Home Equity Loan to finance the construction of an Accessory Dwelling Unit (ADU) or a Jr.ADU.


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about Mortgage Insurance - its benefits, options & costs.  When should you avoid it and when should you embrace it?


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services explain what "closing costs" are; the two categories of Recurring and Non-Recurring Closing Costs; and why it's important to see a Net Sheet to determine how much money you'll need to come up with to close your home purchase.


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about the difference between a Loan Pre-Qualification vs. a Loan Pre-Approval. 


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talks about new changes to the home loan qualifying process under post-COVID-19 guidelines. 


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services discuss Credit Tips when applying for a home loan.  What are the DOs & DON'Ts?  


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Frank Pinto was born 4/21/1921 & prevailed over Mussolini, The Fascists, Hitler, 2 Nazi Slave Labor Camps, & being on the wrong end of The Mafia Labor Rackets run by Albert & Anthony Anastasia & their murderous crews. Tune-in & listen to John & Joe go down Memory Lane, Red Hook, Brooklyn, talking about their role model & ultimate survivor. He died peacefully on 12/26/2002.


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Realtor John V. Pinto and Abel Fregoso, Senior Loan Officer at Homebridge Financial Services, discuss a topic that's extremely important right now - Appraisal Issues.  They describe how to anticipate them, avoid them when possible and deal with them when you can't.


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Realtor John V. Pinto and Abel Fregoso, Senior Loan Officer at Homebridge Financial Services, explain what "debt ratios" are and how they impact your maximum loan amount.


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Realtor John V. Pinto and Abel Fregoso, Senior Loan Officer at Homebridge Financial Services, discuss what used to be known as "Verification of Deposit & Proof of Funds".  What are "seasoned funds"?  How are bank account, stock and IRA/401K statements looked at by a lender?  


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Realtor John V. Pinto and Abel Fregoso, Senior Loan Officer at Homebridge Financial Services, talk about the ins & outs of having a blood relative assisting in your purchase of a home.  They can give a "gift" of some, and in some cases, all, of the down payment you need.  Find out what kind of paperwork the lender will want to see.


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Realtor John V. Pinto and Abel Fregoso, Senior Loan Officer at Homebridge Financial Services explain how credit scores determine your  qualification for a loan and what the interest rate will be.


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending discuss the real-world benefits and detriments of 30 year vs 15 year mortgages.  What are the factors that determine the best decision for your situation?  How do the interest rate, monthly payment, amount of interest paid over the life of the loan and the loan amount you qualify for, change between the two options?  And is there a third option?  You can see our Doodly version of this topic at:  https://youtu.be/ZnIAhDZ6yag


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending discuss why you should consider building an ADU (or Jr ADU)  and obstacles you may face when seeking financing.


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Realtor John V. Pinto and Abel Fregoso of Homebridge Lending discuss the benefits of combining your home purchase financing with a renovation loan, when you require a higher loan amount than FHA allows and have a larger down payment.


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Realtor John V. Pinto and Senior Loan Officer and Abel Fregoso of Homebridge Lending discuss the benefits of combining your home purchase financing with a renovation loan.


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending discuss when it's beneficial to opt for an ARMs (Adjustable Rate Mortgages), potential savings in payments and interest rates, and understanding how future rates are tied to Loan Indices & Margins. 


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Realtor John V. Pinto & Senior Loan Officer Abel Fregoso talk about what Loan Products are available for Investors in 1 to 4 units.  Learn how the location of the property & it's Sales Price will affect Loan Limits, Required Down-payment and Qualifying Debt Ratios.


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Realtor John V. Pinto & Senior Loan Officer Abel Fregoso of Homebridge Lending explain how you can adjust the interest rate on your home loan by increasing or decreasing the "points".  How one factor in your decision should be the answer to the question "How long do I anticipate owning this property?"  


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending explain the difference between "Conventional", "Jumbo" and "Super Jumbo" Home Loans.


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending tell you everything you want to know about VA Home Loans.


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John V. Pinto & Voice Artist Suzanne Davison discuss being mindful of the demographics that you are pursuing & establishing corresponding criteria for choosing a Professional Voice Artist to convey that messaging.


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge  Lending talk about Niche Loan Products for Buyers of 1 to 4 units.  These loans are particularly helpful for entrepreneurs, salespeople and people that own their own businesses.


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John V. Pinto talks to Voice Artist Suzanne Davison about the more accessible and friendly approach to conversational voice-over, versus the Direct Response effectiveness of an announcer’s sound.


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John V. Pinto and Voice Artist Suzanne Davison discuss how to streamline your presentations and sales pipeline through effective use of voice-overs and e-Learning.


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Suzanne advises Voice-over Artists, Video-bloggers, Pod-casters, Public Speakers, Content Creators, etc., about proper warm-up and breath control techniques that will have you sounding your best.


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Whether you are an aspiring Voice Artist, looking to promote your business, or want to add production value to your media, Suzanne imparts how you can up your game by incorporating professional Voice-over.


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Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending talk about FHA Financing for SFRs (Single Family Residences).


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Realtor John V. Pinto & Senior Loan Officer Abel Fregoso of Homebridge Lending talk about FHA (Federal Housing Authority) financing for 2 to 4 units, & how to use it to amass a real estate portfolio.


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Realtor John V. Pinto & Senior Loan Officer Abel Fregoso of Homebridge Lending talk about the many Down-Payment Assistance Programs that would benefit potential Home Buyers (and their agents). 


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Being a Trade-up/down buyer in this Real Estate Market is more exciting than a Disney e-ride.

Listen in on my conversation with lender Abel Fregoso on how to make that harrowing sell/buy 

scenario less precarious by shifting to a more predictable refi/buy/sell strategy.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances,SF North  Bay Acct. Manager for HomeGuard, Inc., describing the typical - AND  avoidable - problems with Washers & Dryers.


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One of John’s Top 5 Napa Valley Venues, John & Cristian discuss the Napa Valley Distillery, a family-owned and operated micro-distillery founded by Arthur & Lusine Hartunian out of their passion for premium, small-batch craft spirits & their love of the Napa Valley. NVD features a unique variety of fruit-based distilled spirits, shrubs, tonics, & syrups from around the world.

Book a tour & Tasting and see their combination of the old with new; the old copper alembic still sitting directly next to the cutting-edge technology Still. 

Tell Head Distiller Tim Espinoza & Senior Hospitality Coordinator Theodore that John V. Pinto sent you, join their Bar Club and be sure to visit their Hollywood Room Lounge & Patio.


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Realtor John V. Pinto discusses what are the qualifications of an FAA  Certified Remote Pilot with Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for  HomeGuard, Inc.


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Realtor John V. Pinto talks about Drone & Features and How to buy the right drone with Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for  HomeGuard, Inc.


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Realtor John V. Pinto discusses Drone Home and Roof Inspection Services with Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.


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Realtor John V. Pinto discusses HomeGuard, Inc.'s Repairs Concierge with  Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc. Coordinating all of the moving parts associated with Standard Structural Pest Controls repairs can be fraught with miscues. John & Eric discuss the issues, & standards, systems, & procedures to deal with those issues.


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Realtor John V. Pinto talks with Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc. about Pool & Spa Inspections. This is an important step in the right direction for listing agents to have a more complete disclosure & report package before their listing hits the MLS. If you, your clients, friends, or family own a home with a swimming pool, watch this very content-rich video that includes all kinds of helpful information on pool maintenance, inspections, and the decision to buy a or avoid a home with a built-in gunite pool.

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Realtor John V. Pinto discusses what can be done when you have concrete  tile roofs with missing or cracked tiles, whose manufacturer is defunct  or the style no longer in production with Eric Syren, Assistant General  Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct.  Manager for HomeGuard, Inc.


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I can't tell you how often dangerous conditions are uncovered when we have forced air furnaces inspected as part of our listing & selling process.

Findings can include carbon monoxide escaping into the house, cracked combustion chambers, disconnected heating ducts, dirty filters, bad interior air quality, etc...

Now that the cold weather is here, Dr. Pinto advises getting your Forced Air furnace checked by an HVAC professional. 

Realtor John V. Pinto discusses what the possibilities are when “further inspection" is called for due to a cracked combustion chamber being found in the forced-air furnace, with Eric Syren, Assistant General  Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct.  Manager for HomeGuard, Inc.


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Broker John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances,SF North Bay Acct. Manager for HomeGuard, Inc.,  about the Mandatory Transfer Disclosure.


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Broker John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc., to explain about a Notice of Property Being Assessed Due To The Clean Energy PACE Program.


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Broker John V. Pinto talks to Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc., about the Notice of Supplemental Property Tax Bill.


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Broker John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.,  "Can I use the same report for a different transaction?"


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Broker John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.,  "Do I Have To Pay For A Report If The Transaction Falls Through?".


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Broker John V. Pinto talks with Ted Stephanos, VP-NHD for HomeGuard,  Inc. & Rafael Betances,SF North Bay Acct. Manager for HomeGuard,  Inc., about the Statutory Zones Map.


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Realtor John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.,  how long do reports remain valid?  Do they have an expiration date?


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Broker John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.,  how long does it take to get a report?


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Circa 1958, St. Stephen's Church in Red Hook, Brooklyn. If you look at the artwork photo, my eyes are still a little glassy after the knock-down, drag-out argument that I had with Papa Francesco concerning my displeasure over his choice of an umbertino haircut for me.


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Will John, his broom, and baseball bat prevail over a home invasion by a family of raccoons?


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The "Vermin Further Inspection" recommended by Home Inspectors always triggers interesting reactions from Home Sellers and Homebuyers, ranging from outrage to apathy.

Several JVP anecdotes included. Realtor John V. Pinto discusses what the possible findings are when further inspections for vermin are called for with Eric Syren, Assistant  General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay  Acct. Manager for HomeGuard, Inc.


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Realtor John V. Pinto discusses the possible findings when Further  Inspections are called for regarding a home's chimney with Eric Syren,  Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF  North Bay Acct. Manager for HomeGuard, Inc.


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Realtor John V. Pinto discusses the possible findings when Further  Inspections are called for regarding a home's foundation with Eric  Syren, Assistant General Manager for HomeGuard, Inc. & Rafael  Betances, SF North Bay Acct. Manager for HomeGuard, Inc.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional Sales Manager for HomeGuard Home Warranty & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc., about their Total Protection Plan coverage.

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Circa September 1957, 5 1/2-year-old Johnny Pinto reluctantly leaves his mother's side for the 1st time.

Faced with their 1st dilemma, Joey Schettino and Johnny take bold and decisive action. 

I invite you to make comments, ask questions, or wax nostalgic using the message link below.

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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances, SF  North Bay Acct. Manager for HomeGuard, Inc., about their Total  Protection - General Electrical Coverage.

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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances, SF  North Bay Acct. Manager for HomeGuard, Inc., about their Total  Protection - Water Heater & Heating System Coverage.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances, SF  North Bay Acct. Manager for HomeGuard, Inc., about what to do in the  event of a public safety shut-off (PSPS) due to wildfire danger.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances, SF  North Bay Acct. Manager for HomeGuard, Inc., about their Total  Protection - Enhanced Slab Floor Leak & Additional Pipe Leak  Coverage.

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Time to check your lint filter? Realtor John V. Pinto has a conversation  with Bob Johnson, Regional Sales Manager for HomeGuard Home Warranty  & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.,  about Clothes Washer & Dryer Coverage.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances,SF North  Bay Acct. Manager for HomeGuard, Inc., about when your home is Red  Tagged.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances, SF  North Bay Acct. Manager for HomeGuard, Inc., about Septic Tank Pumping coverage.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances,SF North  Bay Acct. Manager for HomeGuard, Inc., regarding Solar Hot Water System  coverage.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances,SF North  Bay Acct. Manager for HomeGuard, Inc., about Well Pump Coverage.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances,SF North  Bay Acct. Manager for HomeGuard, Inc., talking about the good practice  of getting Pre-Season Tune-Up on your home - your heating system in the Fall and your air-conditioning system in the Spring.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances,SF North  Bay Acct. Manager for HomeGuard, Inc., talking about Limited Roof Leak  Coverage for Single-Family and Manufactured Homes.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances,SF North  Bay Acct. Manager for HomeGuard, Inc., talking about "No!  You Can't Do  That, It's Insurance Fraud!"


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances,SF North  Bay Acct. Manager for HomeGuard, Inc., talking about re-key coverage.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional  Sales Manager for HomeGuard Home Warranty & Rafael Betances,SF North  Bay Acct. Manager for HomeGuard, Inc., regarding "Smart Home" features.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional Sales Manager for HomeGuard Home Warranty & Rafael Betances,SF North Bay Acct. Manager for HomeGuard, Inc., regarding How Home Warranty & Homeowners' Insurance Coverage Intersect.


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Broker John V. Pinto has an informative conversation with Bob Johnson,  Regional Sales Manager for Northern California of HomeGuard  HomeWarranty, Inc. about the Home Warranty Claim Process & what you can expect regarding covered items.


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Realtor John V. Pinto continues his conversation with Bob Johnson,  Regional Sales Manager for Northern California of HomeGuard Home  Warranty, Inc. about How do you determine Home  Warranty coverage for known & unknown pre-existing conditions?


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional Sales Manager for HomeGuard Home Warranty & Rafael Betances,SF North Bay Acct. Manager for HomeGuard, Inc., about the smart way to maximize your coverage on your Home Warranty.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional Sales Manager for HomeGuard Home Warranty & Rafael Betances,SF North Bay Acct. Manager for HomeGuard, Inc., about Real Estate Brokers & the their Agents' Due Diligence Obligations regarding Home Warranties.


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Realtor John V. Pinto has a conversation with Bob Johnson, Regional Sales Manager for HomeGuard Home Warranty & Rafael Betances,SF North Bay Acct. Manager for HomeGuard, Inc. about covering both the Seller and the Buyer with one policy.


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LIVE from Inglenook Winery in the Napa Valley - Realtor John V. Pinto  discusses how you should prepare your home for an inspection with Eric  Syren, Assistant General Manager for HomeGuard, Inc. & Rafael  Betances, SF North Bay Acct. Manager for HomeGuard, Inc., saving you  time and a potential re-visit for the inspection.


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LIVE from Inglenook Winery in the Napa Valley - Realtor John V. Pinto  discusses what a “Complete” Termite Inspection is with Eric Syren,  Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF  North Bay Acct. Manager for HomeGuard, Inc.


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LIVE from Inglenook Winery in the Napa Valley - Realtor John V. Pinto  discusses why a “Limited Report” might be ordered when an inspection is  done with Eric Syren, Assistant General Manager for HomeGuard, Inc.  & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.


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Domestic goddess Michelle Phillip imparts her knowledge about how sanitizing your home to protect your family under COVID19 protocols is different from just cleaning.


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Michelle Phillip imparts handy advice on the best ingredients and dispensers for sanitizing your boat.


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Upping your game from cleaning to sanitizing, using the right antivirals and dispensers.


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LIVE from Inglenook Winery in the Napa Valley - Realtor John V. Pinto  discusses when a “Supplemental Report” is called for when an inspection  is done with Eric Syren, Assistant General Manager for HomeGuard, Inc.  & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.


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LIVE from Inglenook Winery in Napa Valley - Realtor John V. Pinto  discusses the Home Inspection euphemistically known as a Termite Report  with Eric Syren, Assistant General Manager for HomeGuard, Inc. &  Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc. Its  official name is “Wood Destroying Pest & Organisms Inspection  Report.”


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Broker John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances,SF North Bay Acct. Manager for HomeGuard, Inc.,  about the Right To Farm Disclosure.


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Broker John V. Pinto discusses How Mold May Adversely Affect The  Property with Ted Stephanos, VP-NHD for HomeGuard, Inc. & Rafael  Betances,SF North Bay Acct. Manager for HomeGuard, Inc.


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Broker John V. Pinto has a discussion with Ted Stephanos, VP-NHD for  HomeGuard, Inc. & Rafael Betances,SF North Bay Acct. Manager for  HomeGuard, Inc., about Naturally-Occurring Asbestos.


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Broker John V. Pinto discusses Earthquake Fault Zones with Ted  Stephanos, VP-NHD for HomeGuard, Inc. & Rafael Betances,SF North Bay  Acct. Manager for HomeGuard, Inc.


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Broker John V. Pinto discusses the Megan's Law Database with Ted  Stephanos, VP-NHD for HomeGuard, Inc. & Rafael Betances,SF North Bay  Acct. Manager for HomeGuard, Inc.


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Broker John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances,SF North Bay Acct. Manager for HomeGuard, Inc.,  about the Mello-Roos and 1915 Bond Act Tax Disclosures.


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Broker John V. Pinto discusses the Methamphetamine Contamination  Disclosure with Ted Stephanos, VP-NHD for HomeGuard, Inc. & Rafael  Betances, SF North Bay Acct. Manager for HomeGuard, Inc.


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Broker John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.,  about Gas Transmission and Hazardous Liquid Pipelines disclosures.


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Realtor John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances,SF North Bay Acct. Manager for HomeGuard, Inc.,  about Liquefaction & Landslide Zones in the SF Bay Area.


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Broker John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances,SF North Bay Acct. Manager for HomeGuard, Inc.,  about Formerly Used Defense Sites (FUDS).


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Realtor John V. Pinto has a discussion with Ted Stephanos, VP-NHD for  HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc., about Landslide Zones.


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Broker John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances,SF North Bay Acct. Manager for HomeGuard, Inc.,  about Radon Testing for your home.


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Broker John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc.  & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.,  about Airport Influence Areas (AIA).


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Realtor John V. Pinto has a conversation with Ted Stephanos, Vice President-Natural Hazard Disclosures at HomeGuard, Inc. about Dam Inundation,


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Broker Broker John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc., about the Differences in California Wild Fire Zones.


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Broker John V. Pinto asks Ted Stephanos, VP-NHD for HomeGuard, Inc. & Rafael Betances,SF North Bay Acct. Manager for HomeGuard, Inc., about how Elevation Certificates are obtained when Flood Insurance is called for.


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Broker John V. Pinto has a conversation with Ted Stephanos, VP - NHD for  HomeGuard, Inc. and Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc., talking about Flood Zones and Flood Insurance.


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Broker John V. Pinto has a conversation with Ted Stephanos, VP - NHD at HomeGuard, Inc. & Rafael Betances,SF North Bay Acct. Manager for HomeGuard, Inc., about California Wild Fires.


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Realtor John V. Pinto discusses the importance of cleaning out your home's gutters with Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.


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Realtor John V. Pinto discusses the benefit of checking for pests in  your home with Eric Syren, Assistant General Manager for HomeGuard, Inc.  & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.


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Realtor John V. Pinto discusses the benefits of not waiting for a cold snap before getting your home's heating system checked, & the importance of changing your air filters after all of the wildfires & air pollution that we had this summer. Guests Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF  North Bay Acct. Manager for HomeGuard, Inc.


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Realtor John V. Pinto discusses the benefits of having your home's  plumbing checked periodically, rather than waiting for a problem with  Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael  Betances, SF North Bay Acct. Manager for HomeGuard, Inc.


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Realtor John V. Pinto discusses the benefits of having your roof checked periodically (rather than waiting for it to leak!) with Eric Syren,  Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF  North Bay Acct. Manager for HomeGuard, Inc.


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Realtor John V. Pinto discusses the 3 different types of Certifications that may be issued after your inspection and/or repair work with Eric  Syren, Assistant General Manager for HomeGuard, Inc. & Rafael  Betances, SF North Bay Acct. Manager for HomeGuard, Inc.


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Realtor John V. Pinto discusses what “Further Inspection" findings in a  "Termite" Inspection Report” are with Eric Syren, Assistant General Manager  for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager  for HomeGuard, Inc.  Learn how to avoid the need for Further Inspection  by properly preparing your home.


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Realtor John V. Pinto discusses why Realtors & buyers should understand the difference between the Standard Notice of Work Completed and Not Completed, & a "Standard Structural Pest Control Certification that the subject property is free & clear of active infestation, dry rot, wet rot & wood-destroying pests & organisms", with Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc. 


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Realtor John V. Pinto discusses what “Section 2" findings are in a "Termite" Inspection Report” with Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc. Learn what the implications are and how they differ from "Section 1" findings.


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Realtor John V. Pinto discusses what “Section 1" findings are in a "Termite" Inspection Report with Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc. Learn what the implications are and how they differ from "Section 2" findings.


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Realtor John V. Pinto discusses what a “Complete" Report means with Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc. 


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Realtor John V. Pinto discusses how you can save time and a potential re-visit by properly preparing your home for an inspection with Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.


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Realtor John V. Pinto discusses why a “Limited Report” might be ordered when an inspection is done, and what the pros & cons of a Limited Report are; Guests Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.


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Realtor John V. Pinto discusses when a “Supplemental Report” is called for when an inspection is done with Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.


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Realtor John V. Pinto discusses the Home Inspection euphemistically known as a Termite Report with Eric Syren, Assistant General Manager for HomeGuard, Inc. & Rafael Betances, SF North Bay Acct. Manager for HomeGuard, Inc.  Its official name is “Wood Destroying Pest & Organisms Inspection Report.”


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John V. Pinto, Realtor, communicates anecdotes & consumer education from his 47 years of Real Estate Brokerage experience, 10,000 public speaking gigs, 4,000+ closed transactions and a lifetime of stories. Episodes addressing Fine Living, Cooking, San Francisco Bay Area life, Napa Valley, and a wide variety of topics will be in the queue.


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