95818 : Advice

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drukpenusaba…, Home Owner in Tampa, FL
drukpenusabara answered:
We had a short sale on an investment property in 2012 because coowners bailed on us. Cam we now pull a line of credit on a primary home or refinance?
Good day,
Dear Loan Seekers, Greetings from MICHAEL LOAN HERITAGE.
We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, bu ... more
0 votes Share Flag Sun May 3, 2015 Financing in 95818
Chuck Jones, Real Estate Pro in Cameron Park, CA
Chuck Jones answered:
I have bad credit, but no rental history...I looking to rent an a apartment
Unfortunately, most apartment complexes do have guidelines which feed directly from credit reports, job or income and rental history. Two of the crucial elements you are lacking for th ... more
0 votes Share Flag Wed Apr 29, 2015 Rentals in 95818
Jennifer Kei…, Real Estate Pro in Granite Bay, CA
Jennifer Keith-Weaver answered:
available mortgage loans
Hello there,
Reading our minimum waiting period guidelines it looks like for FHA loans, the waiting period depends on whether you were current on your mortgage payments leading up to t ... more
0 votes Share Flag Tue Apr 21, 2015 Financing in 95818
Randy Stoker, Real Estate Pro in Yuba City, CA
Randy Stoker answered:
We moved to another state for work and bought a new home. We were unable to sell the previous home so we had to short sale it. The old home caused us
You may have difficulty obtaining a real estate loan for several years, normally 4 years or more from the anniversary date of your short sale. Have you contacted a Hard Money Lender? Th ... more
0 votes Share Flag Thu Feb 5, 2015 Home Buying in 95818
Randy Stoker, Real Estate Pro in Yuba City, CA
Randy Stoker answered:
In February 2014 we short saled our home after beong underwater for over a year. We have property that was free and clear that we decided to build a
Banks are hesitant to make loans with recent short sale history. You may have to use the services of a Hard Money Lender, companies that make loans based on equity vs. credit scores and ... more
0 votes Share Flag Thu Feb 5, 2015 Financing in 95818
Valli Lopez, Real Estate Pro in 92021
Valli Lopez answered:
I had a short sale in 2011, no longer on my credit report. trying to buy a house, will i be able to get financing?
If you buy FHA or VA, yes now is fine.

If you want to avoid MI and use a conventional loan, I would need 20% down and can finance it on a portfolio loan with just slightly higher i ... more
0 votes Share Flag Thu Sep 18, 2014 Financing in 95818
Craig Bosse, Real Estate Pro in Concord, CA
Craig Bosse answered:
who can I talk in Colorado regarding purchasing a home after a short sale? My job was eliminated and I had to relocate from a small town to find a job
You don't have to wait.....

We have a portfolio "2nd Chance" loan that allows you to buy again just one day after Short-Sale or Foreclosure. You can only have one on your credit and ... more
0 votes Share Flag Thu May 22, 2014 Financing in 95818
Nick Munsee, Real Estate Pro in Sacramento, CA
Nick Munsee answered:
is there an agent that can help find me an apartment to rent? in sacramento CA 95818 area?
Hi Heather, our company has a few apartments in Sacramento right now: visit http://propertymanagementselect.com/rental-search . If you don't see one you're interested in, try out hotpad ... more
0 votes Share Flag Tue Feb 4, 2014 Rentals in 95818
Hyatt Simons, Real Estate Pro in Sacramento, CA
Hyatt Simons answered:
LOAN AFTER A SHORT SALE FOR A PURCHASE IN NJ Any knowledge regarding who will qualify us?
The best first step to homeownership is to talk with a lender who specializes in home lending. You will need to choose a lender at some point so its the best place to start the home buy ... more
0 votes Share Flag Sun Feb 2, 2014 Financing in 95818
Hyatt Simons, Real Estate Pro in Sacramento, CA
Hyatt Simons answered:
Where do I start a new home buy after short sale?
The best first step to homeownership is to talk with a lender who specializes in home lending. You will need to choose a lender at some point so its the best place to start the home bu ... more
0 votes Share Flag Sun Feb 2, 2014 Home Buying in 95818
Judy Leonetti, Real Estate Pro in 95610
Judy Leonetti answered:
moving up to Sac,CA from Visalia and I really need an agent that can take me to see some apartments when I come up to look in Feb. is that possible?
Would love to help you! you can call me at 916-524-0123 or email me at Sacrealtor4u@yahoo.com

my website is http://www.SacHomes916.com

Judy Leonetti
BRE #01415505
1 vote Share Flag Fri Jan 24, 2014 Rentals in 95818
kirksharon14, Home Buyer in Just Us, Atlanta, GA
kirksharon14 answered:
how long after a short sale to get a loan if you became disabled and did a short sale?
FHA Back To Work Program waives Foreclosure, Bankruptcy, And Short Sale waiting periods. Borrowers who lost their homes due to foreclosure no longer have to wait 3 years to apply for a ... more
0 votes Share Flag Sun Dec 1, 2013 Financing in 95818
Jason Walter, Real Estate Pro in Sacramento, CA
Jason Walter answered:
What would you say to a buyer are the primary differences between Land Park and Curtis Park?
The only item that I would add to the answers already given is that Curtis Park is closer to Oak Park which has some desirable areas but also many less than desirable areas. Drive east ... more
0 votes Share Flag Fri Nov 29, 2013 Home Buying in 95818
Scott T. Sho…, Real Estate Pro in Sacramento, CA
Scott T. Short, M.B.A. answered:
Is there a new HUD ruling as of October 1st that a short sale cannot be approved UNLESS the seller is in default or behind in their payments?
see link below to give you the real scoop on FHA Mortgagee letter referenced below..
0 votes Share Flag Tue Oct 29, 2013 Financing in 95818
Kristina McB…, Real Estate Pro in Midtown, Sacramento,...
Kristina McBurney Maahs answered:
Rental Property Asset Depreciation
Best to consult an accountant with any tax questions. Realtors are not CPA's and can not give tax advice. If you are in the Sacramento area I am happy to refer you to a few trusted ac ... more
3 votes Share Flag Tue Oct 15, 2013 Investment Properties in 95818
Randy Roberts, Real Estate Pro in Beverly Hills, CA
Randy Roberts answered:
Any advice for someone that would like to approach the landlord of the house he is renting about buying it?
Doesn't hurt to ask! There is a good chance they would entertain your offer.. Show your pre approval and you are ready to purchase the home from him. That is something they would have ... more
3 votes Share Flag Mon Sep 30, 2013 Home Buying in 95818
Randall Yates, Real Estate Pro in Dallas, TX
Randall Yates answered:
And the waiting begins. What can we expect from our realtor in terms of following our offer on a short sale?
It's a waiting game, you should be looking at back up homes in the event your offer is not accepted.
0 votes Share Flag Sun Sep 29, 2013 Foreclosure in 95818
Patrick &…, Real Estate Pro in Sacramento, CA
Patrick & Tina answered:
For a multi-family property, what's the correct way to characterize on Trulia?
Rsofio, if you are trying to establish value then you have to only compare to duplexes. And the value is also impacted by current rent schedule as investors give value to cash flow. Tru ... more
0 votes Share Flag Fri Aug 17, 2012 Using Trulia in 95818
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Loan after short sale
Hello Jm, you may qualify ONE DAY after a short sale, foreclosure or deed in lieu with 20% down and minimum 620 fico score. You may qualify FHA ONE YEAR after a short sale, foreclosure ... more
0 votes Share Flag Tue May 8, 2012 Financing in 95818
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