Home Buying in Turlock : Advice

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John Hicks, Real Estate Pro in New Albany, OH
John Hicks answered:
Can you have 2 owner occupied conventional loans if they are in different states?
One would be a primary another would have to be a secondary. Nice think is the rates are low for both right now. You run into a higher rate when you purchase a investment property. Sinc ... more
0 votes Share Flag Tue Dec 2, 2014 Home Buying in Turlock
Adam Dalton, Real Estate Pro in Turlock, CA
Adam Dalton answered:
if i have a 5,000 dollar down payment but have bad credit is it still possible to get prequalified
It could depend on how bad the damage is, and from what circumstances.

I have a great local lender you can speak with. He is very knowledgable.

You will also want to consider that ... more
0 votes Share Flag Tue Apr 15, 2014 Home Buying in Turlock
J.R. Thrasher, Real Estate Pro in San Diego, CA
J.R. Thrasher answered:
If your offer has been accepted and in escrow but there is pending litigation with the previous tenant, owing back rent does it affect escrow process
It could, find out if someone has filed what is called a "Lis Pendens" against the property. J.R. Thrasher
www.SanDiegoRealEstateVeterans.com
(619) 929-0105
RealEstate@JRThrasher.com
0 votes Share Flag Thu Feb 6, 2014 Home Buying in Turlock
Rob Spinosa, Real Estate Pro in Mill Valley, CA
Rob Spinosa answered:
I was looking at buying a house as a first time buyer and I wanted to know the requirements. Can you please send me some information. Thank you.
Louis,

I host a monthly, free homebuyer webinar that only takes 15 minutes. The link to register for the next one is below and I hope you'll join us. Let me know if you have any qu ... more
0 votes Share Flag Tue Feb 4, 2014 Home Buying in 95380
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
Selling your home after it's listing has ended
Hi Mominthevalley,

I agree with Aaron Lewis' "plain english" answer below.

Aaron: TU, nice answer.
0 votes Share Flag Thu Nov 21, 2013 Home Buying in 95382
Valia Rasuli…, Real Estate Pro in Modesto, CA
Valia Rasuli (209) 485-8302 answered:
how long does it take to get government lien released?
Hi Diane,
I dealt with a short sale previously that had an IRS tax lien on it. It was a very involved process and took the IRS 60 days to process. Smaller government entities, provid ... more
0 votes Share Flag Thu Nov 21, 2013 Home Buying in 95382
Melissa Goss, Real Estate Pro in Center Moriches, NY
Melissa Goss answered:
If you have 40,000 down for a down payment but low credit scores can you qualify for a home loan?
It depends on your score, and financial situation. Most banks don't care what you have to put down, you have to qualify. The only was to determine this is to contact a lender and go ove ... more
0 votes Share Flag Wed Jul 31, 2013 Home Buying in Turlock
Joe Scrocca…, Real Estate Pro in Wildwood Crest, NJ
Joe Scrocca Jr. answered:
IF YOU ONLY HAVE SSI FOR AN INCOME IF I WAS TO PUT 60.000 DOWN ON A HOME COSTING 100.000 CAN YOU STILL BUY A HOME
It will depend on the amount of SSI, if it is taxable and what other debts you have. Also you will need to know what the current property taxes and homeowner's insurance premium will be ... more
0 votes Share Flag Sat Jun 1, 2013 Home Buying in Turlock
Rick McGrath, Real Estate Pro in Modesto, CA
Rick McGrath answered:
How long does it take to re-forclose on a property?
If they have to start over by filing a Notice of Default and then the Notice of Trustee Sale you could be looking at a minimum of approx. 5 1/2 months.
0 votes Share Flag Wed May 22, 2013 Home Buying in 95382
Rick McGrath, Real Estate Pro in Modesto, CA
Rick McGrath answered:
how long can car be parked on the street?
Typically 72 hours. Check with local authorities as each community may be different.
0 votes Share Flag Wed May 22, 2013 Home Buying in 95382
Rick McGrath, Real Estate Pro in Modesto, CA
Rick McGrath answered:
If I haven't owned a home in 3 years, can I be approved as a first time home-buyer again? I live in CA...
Typically if you haven't owned a house for 3 or more years you could be considered a first time buyer. However most programs don't really consider that as much as they consider your cre ... more
0 votes Share Flag Tue May 21, 2013 Home Buying in Turlock
Rick McGrath, Real Estate Pro in Modesto, CA
Rick McGrath answered:
We were told to skip a payment through our realtor in order to do a short sale. Bank refused a loan mod.. It's been two years. Can we buy?
Mary based on short selling most lenders won't allow you to purchase another home for 2 to 3 years unless you were current at the time. Your Realtor shouldn't have told you to skip a p ... more
0 votes Share Flag Tue May 21, 2013 Home Buying in Turlock
Rick McGrath, Real Estate Pro in Modesto, CA
Rick McGrath answered:
We had to short sale finalized this week....Credit has sucked for awhile. We are now debt free and have a down payment... When can we buy?
Depending on whether or not you were late on your mortgage payments or not will determine when you can purchase again. Typically, if you remained current on your payments during the sh ... more
0 votes Share Flag Wed May 15, 2013 Home Buying in 95382
Brad Yzermans, Real Estate Pro in Temecula, CA
Brad Yzermans answered:
Had foreclosure and bankruptcy. How long until we can buy again?
Shane provided great info. Make sure you know when your lender transferred title (ownership) back in their name because that is when the three year waiting period begins for most lende ... more
0 votes Share Flag Thu Jan 10, 2013 Home Buying in Turlock
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
What are taxes for placencia Ca 92870?
California is 1.25%
extra, if there are local extras or Melo-Roos.
0 votes Share Flag Mon Dec 31, 2012 Home Buying in 95380
Adam Dalton, Real Estate Pro in Turlock, CA
Adam Dalton answered:
We foreclosed 3 years ago. Looking to buy in Turlock. Can we get a loan approved for $140k less? We pay about $1,300 rent now for the past 3 years
Hello,

Thanks for your question....It is possible that you can be approved for a loan, possibly an FHA. It will all depend on what your credit report says and what a lender can do wi ... more
0 votes Share Flag Tue Jun 19, 2012 Home Buying in Turlock
Rick McGrath, Real Estate Pro in Modesto, CA
Rick McGrath answered:
Is this ethical? What would you do? Bank of America okays short sale but seller is reneging on the contract. I feel like I'm being
That's sad and of course anytime your dealing with a short sale, several things can go wrong including sellers who sometimes feel the world owes them something. Legal action probably c ... more
0 votes Share Flag Fri Sep 16, 2011 Home Buying in Turlock
Adam Dalton, Real Estate Pro in Turlock, CA
Adam Dalton answered:
Bought home for $240,000, now its appraised at $300,000. Can we use the equity to purchase another home with VA without selling our first home?
Hi Patti,

The best advice would be to talk with a qualified lender who is experienced in VA loans. Our in office lender, Sonny, is well versed in all types of loans and knows and wor ... more
1 vote Share Flag Mon May 9, 2011 Home Buying in Turlock
Genaro Pulido, Real Estate Pro in Turlock, CA
Genaro Pulido answered:
foreclosed 4yrs ago w/reason, short sold 2 yrs ago, good credit, got preapproved, why is the lender still wondering if i will get approved?
I am a realtor working in Turlock. I get approached by many clients. I was hesitant to send clients to a lender if they mention that they were involved in a foreclosure until recently ... more
1 vote Share Flag Tue Mar 15, 2011 Home Buying in Turlock
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