Home Buying in Sacramento : Advice

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Joel Lobb, Real Estate Pro in Louisville, KY
Joel Lobb answered:
Down payment and closing costs paid by seller?
Sellers can pay up to 6% of your closing costs and prepaids for the purchase price amount, but you will still need 3.5% down payment invested into the deal.

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Joel Lobb (NMLS#579 ... more
0 votes Share Flag Tue May 28, 2013 Home Buying in Sacramento
Sue Archer R…, Real Estate Pro in Tampa, FL
Sue Archer Reynolds answered:
im seperated and file my tax rtns 'married filing sep'. I want to sell my house which i inherited will i owe him anything? live in calif
Okay I'll be the contrary one....sorry to say, I've heard more inaccurate advice from attorneys than I care to. They charge money for an often invalid response to your question.

Marr ... more
0 votes Share Flag Mon May 20, 2013 Home Buying in Village 12
TERRY MCCARL…, Real Estate Pro in Cape Coral, FL
TERRY MCCARLEY answered:
Real estate agent in florida
If you are a licensed real estate agent in the state of Florida you can purchase properties in the name of your company and receive a commission but you will need to disclose that you a ... more
0 votes Share Flag Wed May 15, 2013 Home Buying in 95829
Randall Ortiz, Real Estate Pro in Sacramento, CA
Randall Ortiz answered:
I'm looking for a mortgage loan for between 60-90,000.
I can put you in contact with a mortgage broker. Contact me if you still want assistance.
0 votes Share Flag Tue May 14, 2013 Home Buying in 95841
Eddie Martini, Real Estate Pro in Auburn, CA
Eddie Martini answered:
I am trying to close on a house and the sellers agent refuses to return calls to my loan officer, agent or title company.
What where you in need of from the sellers agent that your agent could not provide? Just curious how the Sellers Agent (Listing Agent) was able to hold up your transaction. I assume th ... more
0 votes Share Flag Mon May 13, 2013 Home Buying in Village 12
Randall Ortiz, Real Estate Pro in Sacramento, CA
Randall Ortiz answered:
My husband, a physician, recently (12/12) changed from W-2 to 1099 and it is creating problems looking for a mortgage for a local move
You may be able to solve the issue with a letter of explanation. Contact me if you would like to discuss further. 916-529-3707
0 votes Share Flag Sun May 5, 2013 Home Buying in Sacramento
Jaime Becker, Real Estate Pro in Sacramento, CA
Jaime Becker answered:
What would you say are the most typical wishlist items for a Sacramento home buyer?
Well there is always a wishlist. Whether or not they will be able to get those items depends on how much they qualify for, how much money they have and the area they are looking.
On ... more
0 votes Share Flag Fri May 3, 2013 Home Buying in Sacramento
Nancy Bergman, Real Estate Pro in San Diego, CA
Nancy Bergman answered:
Rental Investment homes in Sacaremento ?
As a Property Manager and Realtor, I suggest you try to find something in the $150k-$200K. However, the inventory on those properties are tight. I suggest you look in 95820, 95821,95864 ... more
0 votes Share Flag Thu May 2, 2013 Home Buying in Sacramento
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski answered:
I am a veteran. I wanted to use VA loan but my credit is currently in the high 500s. Can I qualify for a VA loan of 300k if I make 80k per year?
My best advice is to contact and experienced loan officer to review your credit to see if you can make some changes to quickly raise your score. There are many things you can do. I do ... more
0 votes Share Flag Mon Apr 29, 2013 Home Buying in 95816
Eddie Martini, Real Estate Pro in Auburn, CA
Eddie Martini answered:
my credit is a 540 and Im trying to buy a 75000 home how likely is that to happen?
There are options out there for you even with that FICO score. Let us know more details on what you have your mind set on accomplishing so we can better assist.
0 votes Share Flag Sun Apr 28, 2013 Home Buying in 95816
Eddie Martini, Real Estate Pro in Auburn, CA
Eddie Martini answered:
I'd like to buy a bungalow as close as possible to the capitol within a year. What are the odds of finding?
Most under $300k are needing some work and are not move in ready. What type of repairs/improvements would you be open to doing yourself and or hiring people to do for you?
0 votes Share Flag Sun Apr 28, 2013 Home Buying in 95816
Eddie Martini, Real Estate Pro in Auburn, CA
Eddie Martini answered:
Paying taxes with our monthly mortgage payments - is this a good idea or should I just pay them as they come?
You will not be charged interest on your impound account payments, in fact you will normally have an extra 2 months worth of payments stacked up that your Mortgage Bank is earning inter ... more
0 votes Share Flag Sun Apr 28, 2013 Home Buying in 95816
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
I am trying to buy a house and will be going the FHA route. Can i use my sister, who has no FICO score, as a non-occupant co-signor?
This is tricky for some lenders, but we can manually underwrite files. That means we don't have to have a AUS Approval (automated underwriting system) in order to fund a loan. Also, kee ... more
0 votes Share Flag Mon Apr 22, 2013 Home Buying in 95834
Terri Club, Real Estate Pro in Arizona
Terri Club answered:
can i qualify for a cal vet va loan even after a foreclosure on my record for a non VA loan?
I had a client who wanted to buy a home in Arizona, but he had a foreclosure. After researching the web I found a loan program at www.cfsflex.com, they allow a mortgage after a foreclo ... more
0 votes Share Flag Sun Apr 21, 2013 Home Buying in 95823
Matt Bistis, Real Estate Pro in Sacramento County, CA
Matt Bistis answered:
hi I am about to buy a house for 109,900. But the appraised at 103,300 with should I do . thanks Sharita
Don't think anyone addressed an important issue: if the loan is FHA, I don't think they allow you to make up the difference...the appraisal has to be as much or higher than the sales p ... more
0 votes Share Flag Wed Apr 17, 2013 Home Buying in Village 12
Zeny Winn, Real Estate Pro in 95747
Zeny Winn answered:
I have a realtor helping me with my home purchase..I am a first time home buyer..I found a home which is
I believe per FHA guidelines, that is what the maximum closing costs you can ask from the seller. Asking that high of a closing cost can be very challenging now a days since the invent ... more
0 votes Share Flag Sun Mar 31, 2013 Home Buying in Natomas Creek
Mack McCoy, Real Estate Pro in Seattle, WA
Mack McCoy answered:
Are there any penalties for breaking a contract with a real estate agent when buying a house?
If only Nicole had reported back on what she did nearly five years ago . . .
0 votes Share Flag Mon Mar 25, 2013 Home Buying in Northgate
Eddie Martini, Real Estate Pro in Auburn, CA
Eddie Martini answered:
Sacramento: Any Gated Communities or Homes on Larger lots in Natomas for Sale under $425k?
Are you now open to OTHER areas outside of Sacramento? If you can step into Placer County we have lots of gated options for your family to live in. Let me know if you want any more opti ... more
0 votes Share Flag Mon Mar 25, 2013 Home Buying in Northgate
Eddie Martini, Real Estate Pro in Auburn, CA
Eddie Martini answered:
I am looking to rent an older home on acreage and I have 5 dogs. Which areas of/around Sac should I look into?
THe surrounding areas that would offer a home with land have been answered below. If you are OPEN to Placer County you will have more options for your current needs. If you need more in ... more
0 votes Share Flag Mon Mar 25, 2013 Home Buying in Northgate
Randall Ortiz, Real Estate Pro in Sacramento, CA
Randall Ortiz answered:
Average time of Short Sale Closing in Sacramento
Hi Matt,

I'm currently working on a short sale that I listed about 4 months ago. We accepted an offer within 2 days of listing the property, but the bank has been taking it's time, ... more
0 votes Share Flag Thu Mar 21, 2013 Home Buying in Sacramento
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