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Matt Albert, Real Estate Pro in Greensboro, NC
Matt Albert answered:
Question about doctor home loans
Hi, my name is Matt Albert (NMLS# 658999) and I am a Doctor/ Physician Loan Specialist with SunTrust. I have been specifically working with physicians for over 11 years. We cover licens ... more
0 votes Share Flag Sat Apr 5, 2014 Home Buying in 95747
Fe Reyes, Home Buyer in Mission San Jose, Fr...
Fe Reyes answered:
Has anyone bought or negotiated with Lennar or Pulte at WestPark (Sentiero II/Walkabout or Katie's Gate)
We bought Lennar last 2004 in Mt. House. We were given incetives towards the upgrade. Refrid, washer & drye and refrigerator included. We still have it. Real Estate is picking-up n ... more
0 votes Share Flag Thu Mar 20, 2014 Market Conditions in 95747
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
I filed for bankruptcy a year ago and the only debt I have now is a $50 monthly payment loan. I am looking in purchasing my first home, any advise?
Hello Pat, yes you may qualify now 1 year from a BK, short sale, foreclosure, deed in lieu under special circumstances. It only takes a few dozen questions to qualify you in minutes and ... more
1 vote Share Flag Wed Aug 28, 2013 Home Buying in 95747
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
We would like to sell or current home and have 50% equity but had a Chapter 7 discharged over 3 years ago is our only option FHA again?
For FHA and VA loans you must wait two years from the date your Chapter 7 is discharged. You can also get an FHA loan during a Chapter 13 bankruptcy as long as you have made 12 months o ... more
0 votes Share Flag Wed Aug 14, 2013 Financing in 95747
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Does job loss count as an extenuating circumstance for a short sale?
You will need 20% down 2 years from a short sale to qualify and from 3.5% down or as low as half percent down payment program from a minimum 580 fico score.

http://www.under640ficos ... more
0 votes Share Flag Sat Aug 10, 2013 Home Buying in 95747
Kriquette Pa…, Real Estate Pro in Rocklin, CA
Kriquette Patrick answered:
First time home buyer is not sure about getting a realtor
Hi KD! It is a scary endeavor. Pick wisely and choose someone that you feel comfortable saying 'no' to! A good realtor will protect you, guide you and support you, not force you or m ... more
0 votes Share Flag Wed Jul 31, 2013 Home Buying in 95747
Eddie Martini, Real Estate Pro in Auburn, CA
Eddie Martini answered:
how do you find out if a property in antelope, ca has mello roos?
Steve nailed it below if you need anything else let us know
0 votes Share Flag Tue Jul 2, 2013 Home Buying in 95747
HelpUBuy Ame…, Real Estate Pro in Frisco, TX
HelpUBuy America answered:
Appraisal came in too low
The appraisal is telling you that the house is not worth the purchase price.

If you have the extra cash to makeup the difference...and you want to pay 17% more for a house than it' ... more
0 votes Share Flag Fri Jun 21, 2013 Home Buying in 95747
Jeff Marr, Real Estate Pro in Folsom, CA
Jeff Marr answered:
How to know that an appraisal is valid/correct?
Kshitij - the information you're getting about the appraisal process is just flat out wrong, hopefully you're paying attention to the previous response by agents and taking it to heart. ... more
0 votes Share Flag Sun Feb 10, 2013 Home Buying in 95747
Terry Bell, Real Estate Pro in Santa Rosa, CA
Terry Bell answered:
House soon to be surrounded by other houses
One of the advantages of buying in a development is that you know what your neighborhood will look like. If you are buying in the country or have some open space around, you never know ... more
0 votes Share Flag Sat Feb 9, 2013 Home Buying in 95747
Lucinda Winw…, Real Estate Pro in Folsom, CA
Lucinda Winward, MPPA answered:
How to know whether a particular area is worth?
Dear Home Buyer,

In a nutshell, there are different types of sales. Depending on the type of sale the price may be different. This is likely what you are seeing online, in the form o ... more
0 votes Share Flag Wed Feb 6, 2013 Home Buying in 95747
Ryan Hellwege, Real Estate Pro in Dallas, TX
Ryan Hellwege answered:
New Job After Unemployment
Talk with your local lender. They willbe able to help you navigate the Guideline for both conventional and government loan programs. There may be options.
0 votes Share Flag Wed Jan 30, 2013 Home Buying in 95747
Ryan Hellwege, Real Estate Pro in Dallas, TX
Ryan Hellwege answered:
How to pre-qualify for FHA loan?
Find a good lender and a loan officer you click with is key.
0 votes Share Flag Wed Jan 30, 2013 Home Buying in 95747
Jennifer Rob…, Real Estate Pro in Oklahoma City, OK
Jennifer Robison answered:
Is it okay to submit multiple Pre-approval requests?
I, as others answering below, recommend going to whom you plan on getting your loan through to get a pre-approval. Either your bank, a lender reommended through friends and family or Mo ... more
0 votes Share Flag Tue Jan 29, 2013 Home Buying in 95747
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Buying with FHA loan?
Hello Julie, you may qualify with 20% down at 2 years from a short sale. You may qualify for as low as half percent down payment program at 3 years from a short sale. It only takes a fe ... more
0 votes Share Flag Sat Jan 19, 2013 Home Buying in 95747
Jeff Marr, Real Estate Pro in Folsom, CA
Jeff Marr answered:
I currently have a full time teaching job and am starting a side tutoring business.
Julie - Morgan's answer was partially correct in that any self-employment income has to be reported on your filed tax returns to be considered eligible income. The other criteria, equal ... more
0 votes Share Flag Sun Jul 29, 2012 Home Buying in 95747
Morgan Larson, Real Estate Pro in Folsom, CA
Morgan Larson answered:
Buying a home in West Roseville on Puebla home, please advice
Well put Steve!

This is an extremely competitive market for buyers right now. Wouldn't you want someone letting you know when a home hits the market, rather than finding out from the ... more
0 votes Share Flag Sat Jul 28, 2012 Home Buying in 95747
Jeff Marr, Real Estate Pro in Folsom, CA
Jeff Marr answered:
Debt to income ratios on FHA loans
Julie - the reason for your confusion: manual ratios vs automated approval ratios....

If your scenario doesn't allow for the higher ratios when your file has gone through an automate ... more
0 votes Share Flag Sun Jul 15, 2012 Home Buying in 95747
Myron Butler, Real Estate Pro in Roseville, CA
Myron Butler answered:
How do learn what mello-roos taxes are on any property in roseville, ca?
http://www.placer.ca.gov/Departments/Tax/Taxes/TaxBillSearch.aspx
This is where you can research the mello roos tax information from Placer County Tax Assessor's website. You'll need ... more
1 vote Share Flag Mon Jul 2, 2012 Home Buying in 95747
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