95834 : Real Estate Advice

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Invstnlfp, Home Buyer in New York, NY
Invstnlfp answered:
I need to refinance my credit score is poor at 569 is this possible?
I am state and federally licensed to write mortgages in 31 states for a top direct lender in the mortgage industry who offers conventional, FHA, VA, and USDA loans. We keep your info pr ... more
0 votes Share Flag Sun Mar 6, 2016 Home Buying in 95834
Jim Walker, Real Estate Pro in Carmichael, CA
Jim Walker answered:
Do you require sales applicants to be licensed?
Yes. People who sell houses, land and other real estate on behalf of others must be licensed by the California Bureau of Real Estate and work under the supervision of a licensed real es ... more
0 votes Share Flag Tue Dec 15, 2015 Home Selling in 95834
Jim Walker, Real Estate Pro in Carmichael, CA
Jim Walker answered:
I live in New Jersey and trying to buy a house going through the FHA route with a
Let me clarify the words "same exact". You said you are in the same field of work. It does not have to be exactly the same position. For example, if you were an assistant chef at an App ... more
0 votes Share Flag Sun Nov 8, 2015 Home Buying in 95834
Jennifer Kei…, Other/Just Looking in Granite Bay, CA
Jennifer Keith-Weaver answered:
my fico is 620 but my income is low, would using my father in-law as a co-signer help since his score is over 700 and he owns his home?
Hi Jamie,
So many factors go into each loan scenario! Using your father-in-law as a cosigner would help by lowering your combined debt-to-income ratio but we do have to use the lowest ... more
0 votes Share Flag Tue Apr 21, 2015 Home Buying in 95834
Derek Jones, Real Estate Pro in Fair Oaks, CA
Derek Jones answered:
Do you require sales applicants to be licensed?
As previously stated sales agents need to be licensed. What do you mean by sales applicants?
0 votes Share Flag Wed Apr 8, 2015 Home Selling in 95834
Jeri Patrick, Real Estate Pro in Pooler, GA
Jeri Patrick answered:
First time home buyer. Bankruptcy 5 years ago. Married in Tennessee
I would contact a local lender to see what your loan options are. Best of luck
0 votes Share Flag Sun Apr 5, 2015 Home Buying in 95834
Andrew Marti…, Real Estate Pro in Orangevale, CA
Andrew Martinez answered:
I had a VA loan, which was paid off after I had it the loan refinance in wife name, then we had to file BK last year.
It depends on the Type of BK that was filed.

Chapter 7 the wait period is 2 years after discharge

Chapter 13 the wait period is 1 year. There can be no late payments on any debt ... more
0 votes Share Flag Fri Jan 17, 2014 Home Buying in 95834
Bobby Seffens, Home Buyer in Pittsburgh, PA
Bobby Seffens answered:
Hi, has anyone heard of a no money down first time buyer loan qualified by the cosigner. Not sure if this is a part of FHA or who?
if this is in California, I used a program called CHDAP. A program through the State that dependant on your income, can lend you 3% down toward a down payment. And when using an FFA o ... more
0 votes Share Flag Sat Jan 11, 2014 Home Buying in 95834
Vinh Hoang, Real Estate Pro in Sacramento, CA
Vinh Hoang answered:
Can we qualify for a FHA Loan? Can retired Co-signers help us qualify? HELP!!
A few questions come to my mind: are his parents currently receiving any kind of government assistance such as medical and/or medicare? Do you anticipate his parents to be moving into ... more
0 votes Share Flag Fri Oct 18, 2013 Home Buying in 95834
James Tan, Real Estate Pro in elk grove, CA
James Tan answered:
is it possible that I can be renting a house in north natomas for $1000 a month?
It might be possible to get a 2 bedroom condo for that budget. But generally the rent in the 95835 zipcode is a bit higher than that.

As mentioned by my esteemed colleagues, you shou ... more
0 votes Share Flag Sat Sep 14, 2013 Rentals in 95834
Sue Archer R…, Real Estate Pro in Palm Harbor, FL
Sue Archer Reynolds answered:
How do I get a loan with excellent credit, large down payment, co-signer yet only have had job for 10 months?
Making a plan is the first step and a lender would know best how fast you can qualify and for what amount.

I might also suggest that you work with Heather at Blue Water Credit to h ... more
0 votes Share Flag Tue Jun 11, 2013 Home Buying in 95834
Eddie Martini, Real Estate Pro in Auburn, WA
Eddie Martini answered:
Better to have mortgage in Sacramento or Wisconsin?
Any update on your situation?
0 votes Share Flag Mon Jun 10, 2013 Home Buying in 95834
George Raymo…, Real Estate Pro in Fort Worth, TX
George Raymondo answered:
I am trying to buy a house and will be going the FHA route. Can i use my sister, who has no FICO score, as a non-occupant co-signor?
This is tricky for some lenders, but we can manually underwrite files. That means we don't have to have a AUS Approval (automated underwriting system) in order to fund a loan. Also, kee ... more
0 votes Share Flag Mon Apr 22, 2013 Home Buying in 95834
Bud Zeller, Real Estate Pro in Folsom, CA
Bud Zeller answered:
HELP?!? I would like to apply for a FHA loan but, I don't know if I qualify with an occupying co-signer without a SSN.
I would suggest you contact a local lender for suggestions for your best loan type.
0 votes Share Flag Sun Dec 23, 2012 Home Buying in 95834
Claudia Mull…, Real Estate Pro in
Claudia Muller Gravelle answered:
Can my sister be a non-occupent cosigner on my FHA loan if she has no FICO score?
...a borrower with no credit can go through FHA with a coborrower. However, it will require what we call a manual underwrtie. The file will need to be reviewed start to finish by an u ... more
0 votes Share Flag Mon Dec 17, 2012 Home Buying in 95834
Trevor Curran, Real Estate Pro in Great Neck, NY
Trevor Curran answered:
Is it possible to qualify for an fha home loan with a 569 credit score if I have my father as co signer who has excellent credit?
Good afternoon adamandbella,

Lenders require a minimum credit score of 640 to qualify for mortgage financing; a cosignor is not to be used to make up for a deficit in credit. It is ... more
0 votes Share Flag Mon Dec 17, 2012 Home Buying in 95834
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
My cosigner for fha has income and financial ability but no credit. Can I still use him?
To be absolute sure of the answer, I strongly encourage you and your cosigner to go to a local lender and complete the loan application. Only by going through the process will you be as ... more
0 votes Share Flag Mon Dec 17, 2012 Home Buying in 95834
Vinh Hoang, Real Estate Pro in Sacramento, CA
Vinh Hoang answered:
My college student has no income. Wants to buy a home that we will co-sign. Would she be eligible for the credit?
There is no benefit of having your son/daugher on the loan. He/she has no income. He/she might complicates the processing of the loan. If you meet all of the criteria, it is best tha ... more
0 votes Share Flag Wed Oct 3, 2012 Home Buying in 95834
Micah Bagins…, Real Estate Pro in Sacramento, CA
Micah Baginski answered:
how do you know how much allowance to give to a tenant for tenant improvements on a new or existing office building?
There probably is no standard because the T.I. allowance is so integral to the overall lease attractiveness. Doing some research on your competition is the best way to find out how agg ... more
1 vote Share Flag Wed May 30, 2012 Investment Properties in 95834
Lee Johnson, Home Owner in 95834
Lee Johnson answered:
how many houses in zip 95834 are below $100,000 in market value?
All answers are people trying to sell you? That's too bad. An investor's answer: You are asking the wrong questions. You want the best price in the best neighborhoo ... more
0 votes Share Flag Thu Jan 27, 2011 In My Neighborhood in 95834
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