Hello Will, your question is hard to understand? 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.
The purchase in 95838 zip code of Sacramento start at 129k for 3bd 1ba single family home which is as low as $650 down payment with a minimum 580 fico score @129k.
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. Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, home price, loan program and how much you want to invest into the down payment and closing costs.
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. You may consider the USDA Rural Zero Down Payment program for rural home purchase outside of city limits with a minimum 580 fico score. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.
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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By mentioning the 'code' word, your best bet is to talk to the local building department. A window, a door and a closet are what we assume. But I also know that electrical outlets are supposed to be laid out every 6 feet and so far up from the floor. I don't know if it has any restrictions on distance from studs or any of that. Our clue is if the room is a permitted bedroom, it should be reflected on the tax assessor's description of the property. We all know how inaccurate that could be...
Most realtors assume that a room, with a closet, can be assumed to be a bedroom - with or without permit- when describing a home.... more