Home Buying in Palmdale>Question Details

Beauty.for.a…, Home Buyer in

I want to buy a house, first time buyer. Looking for a house in Palmdale.I dont know where to start.

Asked by Beauty.for.ashes88, Wed Sep 19, 2012

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16
First place to start in to get pre-qualified for a mortgage loan. I can qualify you with a few dozen questions. I also offer the CHF Access half percent down payment program with a minimum 580 fico score to qualify. I specialize in Under 640 Fico Score Loans. I also offer credit repair at no cost to raise fico scores to qualify. Here are brochures and a needs list of documents you will need for approval. Give me a call when you get a chance and buy today.

Here are listings in Palmdale up to $150k which the maximum down payment would only be $750 down and maximum payment of $1,098PITI @ 150k.

Click the following URL to see the Listings up to 150k:

http://www.mrmlsmatrix.com/DE.asp?ID=17569150616

CHF Access half percent down brochure, pdf
http://tinyurl.com/9fak6ho
Sheryl Arndt, standard needs list checked, pdf
http://tinyurl.com/9m2rsb2
Why Rent brochure
http://www.frankandsheryl.com/Documents/Why%20Rent%20brochure…
http://www.frankandsheryl.com/Documents/Why%20Rent%20brochure…
CHF Access income limits http://tinyurl.com/8lzf8he

http://www.Under640FicoScoreLoans.com
http://www.FrankandSheryl.com

http://www.under640ficoscoreloans.com/Pages/ContactSheryl.aspx
Sheryl Arndt, Broker – Loan Officer
DRE# 01440252
NMLS# 297251
760-486-4225
1 vote Thank Flag Link Tue Oct 23, 2012
Hello Beauty.for.ashes88,

You've received some excellent answers and the reality is - start with a lender. The lender will advise you on downpayment requirements, pre-qualification requirements, they will also run your credit, and advise as to whether you will have a loan issue up front.

Paul Porteus one of the lender's who answered below is local to the Antelope Valley and is one of my business partners, I highly recommend him and his company Prospect Mortgage.

Once you've spoken with the lender, then your ready to sit down with a REALTOR - interview 2-3 agents and find someone you click with, someone who is listening to what you want, and can help you put together the plan to accomplish your homeownership goals. You do not have to settle with the first agent ~ my parents went thru 3 agents before they found the "right one"...and that is okay, just be honest with the agents your working with, they will understand if they are trying to be of assistance to you.

I would be happy to sit down with you and see if we can put together a plan to find the right home and loan for you.

Thank you,

Tamara Stoebe, REALTOR/Notary
GRI, e-PRO, CHS, QSC
DRE License #01827461
Prudential Troth REALTORS
1801 W. Ave. K
Lancaster, CA 93534
(661) 466-6849
Fax (661) 422-3006
http://www.TamaraStoebe.com
1 vote Thank Flag Link Wed Sep 19, 2012
The first place to start is by knowing where in Palmdale would you like to buy this house. There are different way to find a house that you look. If you do not have an agent, I may be of assistance. Let me give you my phone number so that we can talk about it: 1 323 906 6135
0 votes Thank Flag Link Mon Sep 24, 2012
Good day Beauty.


First step you'll need to get pre-approved. Then if you're not yet working with other Realtor, feel free to call me, I've be glad to assist you. I'm also familiar with the East/ West Palmdale area.


Have a great day!

Merlin Barrientos
Realtor Associate
Pinnacle Estate Properties Inc.
Direct 661 713-8780
dre01761948
0 votes Thank Flag Link Mon Sep 24, 2012
Hello Beauty, You need to have loan approval first which I can provide as well as homes for sale. Here is a needs list of documents you will need to gather for loan approval today. I can offer FHA Access half percent down with a minimum 580 fico score. Here is a link for homes from 60k to 100k and the down is from $300 to $500 down and payments from $440PITI up to $732PITI max. Give me a call and get approved and buy today.

Sheryl Arndt, standard needs list checked http://tinyurl.com/8p3792f

CHF Access half percent down flyer http://tinyurl.com/8m558h4

Click the following URL to see the Listings Palmdale 2bd+ under 100k:

http://www.mrmlsmatrix.com/DE.asp?k=1164647X4KQN&p=DE-11…


http://www.FrankandSheryl.com
http://www.Under640FicoScoreLoans.com
http://www.under640ficoscoreloans.com/Pages/ContactSheryl.aspx
Sheryl Arndt, Broker – Loan Officer
DRE# 01440252
NMLS# 297251
760-486-4225
0 votes Thank Flag Link Thu Sep 20, 2012
is there a specific area in Palmdale that you would like to buy the house?
0 votes Thank Flag Link Thu Sep 20, 2012
Getting pre-approved by an experienced lender is your #1 place to start. Give me a call and we can discuss.
0 votes Thank Flag Link Wed Sep 19, 2012
We recommend Buyers start by visiting with a reputable mortgage lender to pre-qualify. Next step would be to find a good Realtor - interview a few telling them what you expect from them during the process and choose one you are comfortable with. Once you know what you can afford and who will show you the homes you like, happy house hunting!
0 votes Thank Flag Link Wed Sep 19, 2012
Find a local Realtor you feel comfortable with and let them guide you through the process of home ownership. A good Realtor will have a team they know and trust and will be happy to point you in the right direction. I work in Palmdale and in the Antelope Valley and would be my pleasure to meet with you and answer any of your questions or concerns.

Warm Regards,

Michelle Pendergast
0 votes Thank Flag Link Wed Sep 19, 2012
You should figure out what type of home loan you qualify for?
You need to have steady income, stability and meet the credit guidelines for the programs below
FHA, VA and USDA. Also ther are some specific programs you may qualify for to help you with your down payment
All of these programs are government backed to some degree
you can go to my website and i can do a pre-qualification for you
0 votes Thank Flag Link Wed Sep 19, 2012
The first thing you need to do is get pre-approved to see which loan programs fit your financial needs. It takes a few minutes over the phone to go over a few dozen questions. Then gather together these items on this needs list http://tinyurl.com/8p3792f and we will verify all the information given. I can issue a DU Loan approval within the same day to get you out shopping for the home of your choice.
We offer FHA Access half percent down payment home loan with a minimum 580 fico score.
http://tinyurl.com/8m558h4

Here is a link to homes for sale in Palmdale which I ran 2bd+ up to $200k. I am not sure what your looking for so we need to talk and determine what your looking for in a home. Is Palmdale your only consideration, how many bedrooms, baths, one or twor story, pool or no pool, small lot or large, older or newer, maximum payment, etc.
Click or cut and paste the following URL to see the Listings Palmdale 2bd+ under $200k:

http://www.mrmlsmatrix.com/DE.asp?k=1164647X4KQN&p=DE-11…

The link shows listings for sale Palmdale 2bd+ from $65k up to $200k since I am not sure what your looking for. I can have an agent meet you by appt. to show you the interiors as soon as we have you approved.
If you have a minimum 580 fico score, you could qualify for the half percent down payment program and the down payment would be from $325 to $1,000 down and from $475PITI up to $1,465PITI with a 3%-4% FHA Access 30 year fixed rate loan. Are you ready to buy today?

http://www.FrankandSheryl.com
http://www.Under640FicoScoreLoans.com
http://www.under640ficoscoreloans.com/Pages/ContactSheryl.aspx
Sheryl Arndt, Broker – Loan Officer
DRE# 01440252
NMLS# 297251
760-486-4225
0 votes Thank Flag Link Wed Sep 19, 2012
Good afternoon,

Here's the advice I give to my First Time Buyer clients here in New York:

First steps:

1. Meet with a Local Mortgage Banker to get prequalified for mortgage financing. The Mortgage Banker will review all facets of your loan request to answer your questions with regards to the types of loans and maximum loan amounts you could qualify for.


2. Get a referral to a good, local, real estate attorney. Call the attorney, retain the attorney so you have her information handy when you make an offer. Having that information at time of offer helps you demonstrate to the Seller how serious you are, and they will consider your offer with more interest.

3. Line up a Home Inspector. A good home inspector will scare the heck out of you: that's what you pay him for! But you'll concentrate on the fundamentals of the property: roof free of leaks, plumbing, heating and electrical up to code and in good working order. Again, when you make an offer and you have your Home Inspector ready to go, your offer will be considered with much more interest by a Seller because you truly have your "ducks in a row" and your preparation demonstrates your serious attitude about conducting the purchase transaction in a timely manner.

4. Find an experienced Local Realtor who works in your desired shopping area. A serious pro Realtor will refuse to show you homes until you are Prequalified for mortgage financing. Don't take offense! That Realtor doesn't want you to be disappointed and wants you to have a smooth experience as you shop for your new home.

Put together your Team of real estate professionals and shop 'til you drop!

Good luck!

Trevor Curran
NMLS #40140
.
0 votes Thank Flag Link Wed Sep 19, 2012
Choose a Realtor, then have them introduce you to the local lender they trust the most, it is hard enough closing a deal with a team that works together, very hard when that isn’t the case, good luck,

Jim Simms
NMLS # 6395
JSimms@cmcloans.com
Financing Kentucky One Home at a Time
0 votes Thank Flag Link Wed Sep 19, 2012
You start with a good realtor who knows the area well. My name is Ken Mitchell and I live in Palmdale. Please call me at (661) 406-2590 or email me at kmitchell@kw.com and we can discuss your needs. That is my personal cell phone so please call me anytime or check out my website at http://www.avhomeofyourdreams.com.
0 votes Thank Flag Link Wed Sep 19, 2012
Well, you're off to a good start! =)

The first step would be to talk to a lender so you know exactly what price range to look in.
They will be able to tell you what your payment will be, and give you info on the different programs available to you (such as down payment assistance programs, neighborhood stabilization programs, etc). Following is the contact information for a reputable local lender - feel free to call or email him.

Once you know how much house you want to buy, you can begin the search for your dream home!

In the meantime, take a look at my website: http://www.avwatson.com
Here you can search for homes the same way I do! The data is live and pulls directly from our local MLS.

Hope this information is useful to you. Let me know if I can be of further assistance, or if you see any homes you'd like to take a look at.

Have a great day!

Mike Watson
Keller Williams Realty
Cell: 661-733-2196
1401 West Rancho Vista Blvd Suite B
Palmdale, CA 93551
http://www.avWatson.com
0 votes Thank Flag Link Wed Sep 19, 2012
Here is the lender info:

Mark Glouner
661 206-6345 Office
661 406-5629 Cell
661 206-6382 Fax
Lancaster, Ca. 93534
NMLS ID: 260877
DRE ID: 01299857
Flag Wed Sep 19, 2012
Hello Beauty.for.ashes88

I would be more than happy to assist you with your buying need. The first step would be to give me a call so that we may talk about property that would best fit your budget. This is an area of my expertise.

You can reach me at:
Marquessa Henderson(Lic# 01913673) of
Keller Williams Realty
Cell: (661) 373-8390
Office(661) 538-2800
0 votes Thank Flag Link Wed Sep 19, 2012
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