94247 : Advice

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Sue  Archer, Real Estate Pro in Orangevale, CA
Sue Archer 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?
There's more implications than you mention here if your sister co-signs for the home. First, she needs to establish a credit score. She can possibly do that with non-traditional means s ... more
0 votes Share Flag Mon Apr 22, 2013 Home Buying in 95834
Melissa Dozi…, Real Estate Pro in ,
Melissa Dozier answered:
im looking for a 3bd 2 bath under 1200 in natomas are
Good Morning, Are you looking to rent or own a home in the Natomas area? It is a great time to be investing in a home right now with interest rates so low and great loan programs out th ... more
0 votes Share Flag Fri Nov 30, 2012 Rentals in Sacramento
Jamie Collins, Real Estate Pro in ,
Jamie Collins answered:
My cosigner for fha has income and financial ability but no credit. Can I still use him?
Yes,

Call
Glenn Olsson
First Priority Financial
916-276-6236

Hope you had a great Thanksgiving

Jamie Collins
J. E. Collins Insurance Agency
916-257-3779
0 votes Share Flag Mon Dec 17, 2012 Home Buying in 95834
Michelle Tho…, Real Estate Pro in El Dorado Hills, CA
Michelle Thompson answered:
we want to buy a house we have no credit and bad credit what do we do first?
I would talk to a lender that specializes in credit repair. He or she can help speed up the repair process and before you know it, you will be in your home. You should also focus on s ... more
0 votes Share Flag Mon Jul 22, 2013 Home Buying in 95828
Ron Thomas, Real Estate Pro in ,
Ron Thomas answered:
Why can I not get into a 95824 home with $40.000 down and a $100.000 pre approval to close in 14 days.
It is called MULTIPLE OFFERS and a HOT MARKET:
Are there that many $140,000 houses in Sacramento?
0 votes Share Flag Sat Nov 10, 2012 Home Buying in Sacramento
Kylee Roe, Real Estate Pro in Sacramento, CA
Kylee Roe answered:
Is there any lender in the Sacramento Area that will do a non-conforming loan on a primary residence with 5% down?
You can check with Evelyne Jamet at Vitek, 916-452-8800. I wouldn't say you need "non-conforming", more like a loan for poor credit. Though, be forewarned, most of the loans for recent ... more
0 votes Share Flag Thu Nov 8, 2012 Home Buying in 95835
Elizabeth We…, Real Estate Pro in ,
Elizabeth Weintraub answered:
What is an ideal neighborhood for a young family in the Sacramento area?
You marketing guys at Trulia need to be aware that these types of questions make it very difficult for an agent to answer without treading on Fair Housing Laws.
0 votes Share Flag Mon Nov 19, 2012 Home Buying in Sacramento
Tamara Dorris, Real Estate Pro in Sacramento, CA
Tamara Dorris answered:
How does a prospective home buyer find out what the local property taxes will be?
It's public information. Your agent will be able to tell you from the tax records.
0 votes Share Flag Thu Nov 1, 2012 Home Buying in Sacramento
Patrick  O'H…, Real Estate Pro in Citrus Heights, CA
Patrick O'Hare answered:
what high school will my teen attend if we live on freeway circle?
Freeway Circle is in the Twin Rivers District.
High school will be Foothilll High School, not
too far away off Hillsdale Blvd.
It is always recommended that you contact
the distric ... more
0 votes Share Flag Wed Nov 14, 2012 Home Buying in 95841
The Reality…,  in Sacramento County, CA
The Reality Of Real Estate - Aneice Dixon answered:
The apt building i live in was sold at trustee sale, how long do i have to vacate?
Raquel,
So sorry to hear that you are going through such a difficult time right now, however, a 3-Day Notice Pay or Quit is typically served to those who owe rent or in breach of their ... more
0 votes Share Flag Tue Oct 30, 2012 Foreclosure in Sacramento
Keisha Mathe…, Real Estate Pro in Elk Grove, CA
Keisha Mathews answered:
the house im renting was in forclosure, the landlord said they we're doing modification has it went through 3945 samos way 95823
Hello, no one on this thread would have that information. Only the homeowener/borrower on the loan.

You can ask your landlord, the homeowner/borrower to allow you to see the document ... more
0 votes Share Flag Sun Oct 28, 2012 Home Buying in 95823
Bruce Slaton,  in Elk Grove, CA
Bruce Slaton answered:
has the modification went through for 3945 samos way, sac. ca. 95823
Loan modifications are not public record and a lender releasing that info to someone not authorized to get it could be a legal issue. You could make a request to your landlord but it's ... more
0 votes Share Flag Sun Oct 28, 2012 Home Buying in 95823
Bruce Slaton,  in Elk Grove, CA
Bruce Slaton answered:
Is there any Sacramento mortgage firms that work with the Fannie Mae Home Choice Mortgage Program for the disabled and first time home buyer?
Brian Barnes from Paradise Financial does it. His number is 916-230-4750. I checked with him before I posted his info and he says CALHFA funds might be able to be used along with this ... more
0 votes Share Flag Fri Oct 26, 2012 Home Buying in Sacramento
Ted Greene, Real Estate Pro in Sacramento, CA
Ted Greene answered:
Do you have to be pre-qualified when starting the process of buying a home?
Yes you do. Most buyers agents will not show you houses until you get pre-approved and they know how much you can spend. I can refer you to someone who will pre-approve you. Call me at ... more
0 votes Share Flag Mon Apr 1, 2013 Financing in Sacramento
Mike Schubert, Real Estate Pro in Sacramento, CA
Mike Schubert answered:
HARP 3.0 Coming Soon?????
Total Guess - after the election in November we won't get eye water to cry with!! I fully expect that government and lenders will be less sympathetic to those that have honored their mo ... more
0 votes Share Flag Fri Oct 26, 2012 Home Buying in Sacramento
Linda Chu,  in Millbrae, CA
Linda Chu answered:
How long does it take to be approved for a loan?
It depends on the lender. If they have a lot of files to underwrite than there will be delays.
0 votes Share Flag Sat May 18, 2013 Financing in Sacramento
Nancy Bergman, Real Estate Pro in San Diego, CA
Nancy Bergman answered:
Had a short sale 26 months ago. Looking into buying a condo in the Natomas area with 20% down. Is there any local lenders that will give a loan?
Yes, there are some lender that will loan people with 20% on a conventional loan after 2 years. Yet you need to pass each lender's criteria. Some are 24 months conventional, some are 3 ... more
0 votes Share Flag Sun May 19, 2013 Financing in 95835
Sue  Archer, Real Estate Pro in Orangevale, CA
Sue Archer answered:
Are there still banks that do a home equity loan at 90% CLTV, in Northern, CA?
I would contact the lenders directly for that. Most loan brokers are focused on the refinance and purchase loan opportunities. While the best answer will come from a lender here, I thou ... more
0 votes Share Flag Sat Dec 1, 2012 Financing in 95833
Lance King, Real Estate Pro in San Francisco, CA
Lance King answered:
what are the usual closing cost on a conventional purchase ?
They vary depending on local customary splits on costs, lender fees, and any other local expenses. I would call a local title company and they can give you specific estimates.

Best R ... more
0 votes Share Flag Wed Oct 24, 2012 Home Buying in Sacramento
Patrick  O'H…, Real Estate Pro in Citrus Heights, CA
Patrick O'Hare answered:
HOW MUCH 3 BAD 1339 SPFT?
Not sure what the question is, I think your fingers got off key.
But for general information, the property on Deddington does
have an accepted offer and shows a current pending status ... more
0 votes Share Flag Sun Oct 21, 2012 Home Buying in Sacramento
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