Before I was a agent, between the years 1985-1990 I had a mobile home for sale. (that is five years of not selling it.)
The problems that agents have are:
1. Many are lazy. They got into the business thinking that it was a lazy persons job. It is the lowest paid easy work there is. It is also the highest paid hard work there is. Do not get a lazy agent whether it be your relative or not.
2. You need an agent that will tell you like it is. You as a buyer or a seller can come up with the stupidest things. I know because if there is anything stupid you think as buyer or seller I thought it.
You need an agent that is not afraid to hurt your feelings, will tell you like it is, because many smart people come up with bad ideas when it comes to buying or selling a house.... more
It is not up to the lender but.....mostly up to you: how much you have, how much you make, your credit health, what kind of loan you are approved for( VA allows 0% down, FHA starts with 3.5% which can be a gift, Conventional starts with 3% and up), what kind of real estate you want to buy, etc. Do talk to a good loan officer, or maybe even few( initial consultation should be free). If you need a recommendation of local lenders, let me know. I have a trusted lender for any situation and they do perform.
Good luck!... more
As Phil pointed out, it really depends where you are in Encino. For 91436 zip code if you build it will most likley be in the hillside and the costs will be much higher. Otherwise, you are looking at around 125 per sq foot plus permits. Anywhere between 3-6 months.... more