Talk with you loan officer they usually know exactly how to go about it and 1 mistake can make it go up as opposed to down.
Harold Sharpe - Broker
So Cal Homes
California Department of Real Estate Broker License # 01312992... more
I would suggest giving me a call or e-mail me the property address so I could run some figures, property tax, HOA etc. and pull the comps. for leases and for sale near your area.
Which listing are you referring to? I would be happy to assist you if you're looking to buy. Our team is ranked one of the Top offices in OC with great customer service. Please feel free to contact me.
This is a very popular question on Trulia.... Its always a different place, But its the same Answer...
If you really, really want to know if anywhere is safe, Call local law enforcement... They know the area better than anyone and will give a straight answer!... more
Santa Ana is 27 square miles so mid-city is different depending on who you talk to. I would ask what do you qualify for and then find the best home for the money. Santa Ana has many wonderful neighborhoods depending on your taste. There are several with vintage and historic homes and there are lofts downtown which are very modern. One of the best schools is Santiago Elementary off Bristol & Santa Clara. It is a California Distinguished school twice! I have lived and worked in Santa Ana for 30 years!... more
Please give me a call and we can run the numbers. FICO and reserves are a couple missing items which will dictate rate/payment.
Mario Pinedo, CCIM
BRE Broker 01118365
Twitter @mariopinedo... more
This area may seem like a diamond in the rough but you have to ask yourself, why so cheap? area looks nice......
I made the mistake of buying at the Albans off of Bear st. and it9;s terrible.
The whole complex is infested with cockroaches (2 different kinds) indoor and outdoor. I have to have my place exterminated at least once every 2 months and I still see them. I hate to be graphic but some are 2" long. The security is a joke here, this is a gated community but the gates do not function correctly at times. Car break ins are a huge problem and security has done nothing but you'll get cited if you park in the wrong place or towed. Speaking of citations, the albans is one of the most nipicking associations in O.C. worse than some Irvine communities which is funny because the association does not handle the important issues I.E. cockroaches,theft and overall security.
I wish I could sell you my place! lol
The cost of money is based on risk. The lower the risk the lower the cost. The higher the risk, etc.
The average fico is 720 and would be considered good credit. 740 excellent.
680 will get you most types of financing available. The only difference may be the cost to you to borrow that money vs someone with a higher FICO.
Feel free to reach out to me if you need specifics for your particular situation.
Nakoma Mortgage and Realty Company
17 years experience... more
It's possible. How far away are you moving from your current home and what are you going to do with your current home, rent, sell?
Please feel free to contact me for more information or help.
Senior Mortgage Banker
Peoples Bank & Trust
Your credit scrore is not bad and certainly does NOT exclude you from considering conventional financing since you have the minimum of 5% down. Talk to you lender and let them know you want to switch to a conventional loan. The minimum score is 620 and it sounds like you are well above that. If you have the income (debt to income ratio ratio) you should have no problem at all.... more
Your best option will be shopping around for a mortgage broker that can review all your financing status, employment history, debts, credit report and can give you at least two financial options.
Choose one that can answer all your questions on your first meeting.
Best of Luck,
Century 21 Tenace