The purchase in 91342 zip code of Sylmar start from 78k for 3bd 2ba single family home. If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve you can be emailed listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.
You may qualify to buy FHA with fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as .5% half percent down payment program. You may consider 3% down conventional from a minimum 620 fico score. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.
You will need to be pre-approved if you decide to buy to be able to meet an agent to view and submit offers on any homes of your choice. It only takes a few dozen questions to qualify, go over your options and email you listings to study and compare. Here are some links to study as well as web reference links to many loan program pages offered...
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ Years Experience
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
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I would like to help you further, but you'll need to email me directly or give me a call. I would need to know if you are one of the borrowers on the mortgage & how long you have been living in the house, regardless of whether or not you're on title, if anything, you may have rights under California Tenant Law where they can't just 'kick you out'.
Shoot me an email directly, I don't look back on this same Trulia posting for answers after mine or Replies beneath my answer.
Emily S. Knell
Realtor Since--- 1996
Realty ONE Group