91383 : Advice

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Charles Dail…, Real Estate Pro in Saint Paul, MN
Charles Dailey answered:
Are there any local lenders willing to offer a conventional loan (5% down) with a 669 credit score? Our current lender says they require a 680 score.
I'm in MN but licensed there. I can do conventional privately insured loans with a 669 fico but they're pricer that those with higher scores. If you can go FHA, that might be better.
0 votes Share Flag Tue Sep 3, 2013 Financing in Santa Clarita
Paris and Co…, Real Estate Pro in Santa Clarita, CA
Paris and Connor MacIvor answered:
What is the lowest i can bid with a cash offer?
There are several factors to be considered. Potential appraised value, time on the market and actual ownership. On a short sale the trick is being the accepted offer. On a foreclosure i ... more
0 votes Share Flag Sat May 12, 2012 Home Buying in Santa Clarita
Crystal Shep…, Real Estate Pro in Santa Clarita, CA
Crystal Sheppard answered:
What areas in Santa Clarita are likely to appreciate in the next 5 years?
It's believed that the entire Santa Clarita Valley will experience reasonable appreciation over the next 5 years, beginning sometime in 2013. Interest rates remain low, and there& ... more
0 votes Share Flag Sat Mar 24, 2012 Home Buying in Santa Clarita
Paris and Co…, Real Estate Pro in Santa Clarita, CA
Paris and Connor MacIvor answered:
Question of the Day: What makes a great buyer's agent
Knowledge of the local real estate market. Putting Value first. Keeping current, not just with real estate, but with Lending Practices, Escrow guidelines and distressed real estate me ... more
0 votes Share Flag Thu Mar 15, 2012 Home Buying in Santa Clarita
Felicia Grady, Real Estate Pro in Valencia, CA
Felicia Grady answered:
What's the typical process when buying a short sale?
A short sale will take months to complete. In some instances, the time period can be shorter, and in other instances, can be significantly longer...and some short sales are not complete ... more
0 votes Share Flag Mon Mar 5, 2012 Home Buying in Santa Clarita
Tony Lewis, Real Estate Pro in Valencia, CA
Tony Lewis answered:
What are some tips for first-time home buyers?
First time buyers are really buyers that need to learn and understand the buying process. The first step is to find a Realtor that you feel comfortable with and is professional. You s ... more
0 votes Share Flag Mon Mar 5, 2012 Home Buying in Santa Clarita
William Boyd, Real Estate Pro in Santa Clarita, CA
William Boyd answered:
Does anyone know a good well inspector near Santa Clarita?
American Water Wells is our best local well inspector. However, you need to know what to ask for. There are many different tests. I always ask for a well production test and a title 22 ... more
0 votes Share Flag Sun Mar 4, 2012 Home Buying in Santa Clarita
Tony Lewis, Real Estate Pro in Valencia, CA
Tony Lewis answered:
Which costs are potentially negotiable in closing costs
Every aspect of the contract is negotiable! There is the standard practice in which each party pays their own fee, however, it is possible to have the seller pay all or part of the clo ... more
0 votes Share Flag Mon Mar 5, 2012 Home Buying in Santa Clarita
Tony Lewis, Real Estate Pro in Valencia, CA
Tony Lewis answered:
What are some effective ways to increase the value of your home before selling?
My suggestion to those listing or thinking of listing with me are first and foremost, don't spend anything on the home that will not bring back the same or more money. The cheapes ... more
0 votes Share Flag Mon Apr 15, 2013 Home Selling in Santa Clarita
Paris and Co…, Real Estate Pro in Santa Clarita, CA
Paris and Connor MacIvor answered:
What are some surprises that first-time buyers encounter when purchasing a home?
We put together an entire series about first time buyers. Hope it helps.
0 votes Share Flag Thu Mar 1, 2012 Home Buying in Santa Clarita
Lance King, Real Estate Pro in San Francisco, CA
Lance King answered:
Do we need a new agent or do all of them/you work this way?
Gary,

No, all agents/brokers don't work this way. Unfortunately new construction developments usually require registering with an agent so if you did that here there might be an ... more
0 votes Share Flag Fri Mar 2, 2012 Home Buying in Santa Clarita
Marc Schwartz…, Real Estate Pro in Santa Clarita, CA
Marc Schwartz 818-885-5615 answered:
I may be interested in moving somewhere in the Santa Clarita Valley. My initial internet search tells me that Canyon Country may be the place.
Big choice on moving, I made the decision 10 years ago to move from Encino to the SCV. My office is about 28 miles away now but you can't go wrong in moving out here.

Call me a ... more
0 votes Share Flag Sun Feb 12, 2012 Moving in Santa Clarita
Marc Schwartz…, Real Estate Pro in Santa Clarita, CA
Marc Schwartz 818-885-5615 answered:
Can a Bank foreclose on a home at an Auction, while the Bank is actively participating in a short sale agreement on the same property?
Yes, a bank can foreclose on a home while a short sale is in process. I sell a lot of REO's that have been in some type of short sale process, one thing that needed to be done is m ... more
0 votes Share Flag Tue Jun 5, 2012 Foreclosure in 91350
Alain Picard, Real Estate Pro in Puyallup, WA
Alain Picard answered:
I'm currently selling my home and during the title search it was discovered that the previous owner had a $72,000 line of credit against the
I would definitely consult with a real estate attorney about this. This should have all came up when you purchased the property. I would also call the title and escrow company that you ... more
0 votes Share Flag Sat Nov 19, 2011 Home Buying in Santa Clarita
LUXURY HOME…, Real Estate Pro in El Segundo, CA
LUXURY HOME LOANS CA answered:
Impound Interest IN CA
Here you go Heidi: http://www.mortgagebankers.org/files/StateInterestonEscrowLaws-4-10-07.pdf

Happy funding, Rudi
0 votes Share Flag Tue Oct 25, 2011 Financing in Santa Clarita
Richard Schu…, Real Estate Pro in Los Angeles, CA
Richard Schulman answered:
Our condo and others in our neighborhood have prices that are constantly being reduced and still not selling. Is it impossible in this market?
Things are moving and the market is active right now. I can't speak for your exact project, but if the prices are starting to high and not reducing far enough, they won't sel ... more
0 votes Share Flag Sat Mar 24, 2012 Home Selling in Santa Clarita
Realty One G…, Real Estate Pro in Santa Clarita, CA
Realty One Group Solutions answered:
Has anyone had any luck getting HAFA to reduce their approval price? My seller was just approved but they want $10k over comps on an inexpensive condo
Yes I have been very successful doing exactly that. It requires that they resubmit the file for a new HAFA approval, but a good AM can help walk you through it. It depends on who the ba ... more
0 votes Share Flag Sun Mar 4, 2012 Home Selling in Santa Clarita
Tony Lewis, Real Estate Pro in Valencia, CA
Tony Lewis answered:
what's new in Santa Clarita?
Both Buyers and Sellers are looking for honest, professional representation. Communication is key and knowing that they are being heard are also top concerns. Recently both buyers and ... more
0 votes Share Flag Fri Sep 16, 2011 Home Buying in Santa Clarita
Tony Lewis, Real Estate Pro in Valencia, CA
Tony Lewis answered:
would u qualify to by a house on unemployment and side jobs?
Unemployment and undeclared income will not be counted as income since all income needs to be verified and not have a limited time of payment. You will need to show 2 years of employme ... more
0 votes Share Flag Sun Apr 29, 2012 Financing in Santa Clarita
Marie Souza…, Real Estate Pro in Centerville, MA
Marie Souza Team answered:
We put a back up offer on a approved short sale The asking is 299K The realtor says he signed of on a 295K offer our offer is 299K Do we have a chance
This depends on whether or not the 1st offer falls through. I recommend still looking. You never know & it's better to be prepared. Good luck!
The Marie Souza Team - Top Sell ... more
0 votes Share Flag Fri Apr 15, 2011 Home Buying in Santa Clarita
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