You mentioned the Cerritos High School district. Did you mean Cerritos high school map area or the ABC district which consist of Gahr, Cerritos, Artesia and Whitney high schools? There are homes in the city that fit your criteria. I would like to help you the best way possible I will need to ask just a few more questions. Please feel free to contact me. Check on my profile and you can view more contact info there as well.
You will need to be pre-approved to be able to meet an agent to submit offers on homes of your choice. You will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card for each applicant.
Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.
You may qualify for 5% down Jumbo up to 1.5 million from a minimum 720 fico score or 10% down from a minimum 680 fico.
It only takes a few dozen questions to qualify, go over your options and email you listings to study and consider. Here are some links to study about me as well as web reference links to many loan programs...
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
Plus you can also take advantage of those certain home sellers who just HAVE to sell, even though we're heading into the Holidays. This coupled with lower rates is a win/win situation for you, if you play it right.
If I can talk to you & narrow down certain neighborhoods that you like, I have a better chance of finding you a home that may not even be ON the market.
Please shoot me an email directly or give me a call, I don't look back on this same Trulia thread for Answers or Replies, after mine.
Emily S. Knell
Realtor Since 1996
Realty ONE Group
Historically there are more homes to choose from in the spring. That said, this spring the inventory in our market was LOW. Buyers were having a hard time getting offers accepted.
I really like what Mark has to say as well. I'd give him a call and discuss with him! Good luck!