Home Buying in Fresno : Advice

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Lynette Garc…, Real Estate Pro in Fresno, CA
Lynette Garcia Baker answered:
I need a physician mortage for California, with 0% downpayment. Also, my residency starts in June of 2010, but I need the mortgage now. Advice???
I am looking into it for you. Do you already have a home in mind and an agent with whom you are working?

Lynette Baker
CaliforniaRelocationNetwork.com, Fresno
0 votes Share Flag Thu Jan 7, 2010 Home Buying in Fresno
Luke Allison, Real Estate Pro in Asheville, NC
Luke Allison answered:
i currentl checked my credit again and now experian is 581, exifax 549 and transunion 605. i am making some
sb1-
Currently, your 2 best options with those scores are either an FHA loan with 3.5% down payment or a USDA rural housing loan which has 100% financing but limits the properties you ... more
0 votes Share Flag Tue Jul 7, 2009 Home Buying in Fresno
Dana Schuster, Real Estate Pro in 70458
Dana Schuster answered:
I live in Charlotte, NC and I am trying to buy a home and need a loan. I am trying to repair my score now and
Continue to work on repairing your credit as your scores are too low to qualify you at this time. 620 is pretty much the minimum required in this market.
0 votes Share Flag Sat Jul 4, 2009 Home Buying in Fresno
Cami Pinsak, Real Estate Pro in Camarillo, CA
Cami Pinsak answered:
Does it make sense to offer on a $400k house, when the sellers are asking for $650k?
My motto is: you won't know if you don't try. Especially if this is a cash purchase. I would have your agent include in you offer the comps and appraisal issue and justification for of ... more
0 votes Share Flag Sat Jun 20, 2009 Home Buying in Fresno
Tom Lindemann, Real Estate Pro in Fresno, CA
Tom Lindemann answered:
If I buy a short sale with FHA can I let the seller live there rent free for a specific time...or can the
If you get an FHA loan - it needs to be owner occupied - you need to live there. That's what the contract says.
Who you then choose to live with you is your choice.
0 votes Share Flag Sun Jun 14, 2009 Home Buying in Fresno
Tisza Major-…, Real Estate Pro in Claremont, CA
Tisza Major-Posner answered:
can I buy a house but let the seller live in it for an extra period of time to let her get on her feet?
Hi!

While I appreciate your sentiment, there is a problem with the plan. If you are going to use FHA financing you will need to be an occupying owner of the home as FHA can't be use ... more
0 votes Share Flag Thu Jun 11, 2009 Home Buying in Fresno
Mike Kelly &…, Real Estate Pro in Santa Rosa, CA
Mike Kelly & Allison Norman answered:
I am trying to purchase a short sale and would like to know if the seller can rent it back from me.
Please clarify--you are buying a home in a short-sale where the SELLER does NOT wish to conduct the short-sale? Lenders CANNOT sell to you until AFTER the property is forclosed upon and ... more
0 votes Share Flag Sun Jun 14, 2009 Home Buying in Fresno
Jerel Washin…, Real Estate Pro in Princeton, NJ
Jerel Washington answered:
how can a builder get away with dictating that I use their lender of choice in order to receive incentives?
EZ.. Their incentives are tide to either a kick back from the lender or they are the lender under a different name and they will recoup the costs of their incentives over the long term ... more
0 votes Share Flag Tue Jun 2, 2009 Home Buying in Fresno
Chris Mabry…, Real Estate Pro in Tucson, AZ
Chris Mabry SRS,e-PRO answered:
can a seller refuse access to their property for completion on an appraisal.?
Summer,
Sounds like quite a mess. You need to check the fine print in your purchase contract, but it sounds to me like this seller is in definite breach of contract. He can't just ch ... more
0 votes Share Flag Mon May 18, 2009 Home Buying in Fresno
Harold Penner, Real Estate Pro in Clovis, CA
Harold Penner answered:
I am interesting to buy multi-family with bank own, what the procedure and is it safe in term of title.
There shouldn't be an issue with title. The bank has transferred the title in their name and will then transfer it into yours.

The first step for preparing to buy a foreclosure is ... more
0 votes Share Flag Fri May 20, 2011 Home Buying in Fresno-High
Brad Maaske, Real Estate Pro in Fresno, CA
Brad Maaske answered:
How does the process work if I want to buy a house but the house has unknown permits? As a buyer, if I do
Before you buy any home, new, used or a foreclosure, get a home inspection! Next step is to go to the city or county and see what permits are on record, and if the work has been comple ... more
0 votes Share Flag Thu May 7, 2009 Home Buying in Fresno
Jacqueline H…, Real Estate Pro in Mendham, NJ
Jacqueline Haynes answered:
In the middle of an escrow and am facing a big problem. any help?
I am assuming that the association will be more co-operative with the seller and current home owner than they will be with you as the buyer. My suggestion is that if the home-owner doe ... more
0 votes Share Flag Thu Apr 23, 2009 Home Buying in 93721
Guillermo Mo…, Real Estate Pro in
Guillermo Monter answered:
I have submitted an offer for a home in Pinedale CA . they paid $45000 added some upgrades and I am offering
The closest way to find out is asking your Agent to do a Market Analysis for this particular property.
I hope your agent included as many contingencies as are allowed to protect you. ... more
0 votes Share Flag Sat Apr 18, 2009 Home Buying in Fresno
GAYLE NIX, Real Estate Pro in Fresno, CA
GAYLE NIX answered:
Hi there, I have an approved Spanish speaking home Buyer in Fresno CA. Please contact me the one.
I would be happy to assist them with the home they have found. Please email me for further information
0 votes Share Flag Tue Mar 10, 2009 Home Buying in Fresno
Lynn911.com…, Real Estate Pro in Dallas, TX
Lynn911.com Dallas Realtor answered:
how do i get a list of bank short sale homes?
Contact a local realtor who can forward searches via MLS postings. Info. will be accurate and FREE

Dallas Realtor and Consultant, Mortgage Loan Officer, Lecturer regarding Credit Re ... more
0 votes Share Flag Sat Feb 28, 2009 Home Buying in 93720
Nathan, Home Buyer in Fresno, CA
Nathan answered:
Hello. I am looking for some advice. I am on the brink of buying a condo in the Villa Borgata complex in
Future Homebuyer you are over paying for that condo considering the fact Fresno is flooded with condo's on the open market and demand is weak across the board in all price ranges.

Ca ... more
0 votes Share Flag Mon Apr 22, 2013 Home Buying in 93721
Ralph Windsc…, Real Estate Pro in Hauppauge, NY
Ralph Windschuh answered:
How do I buy a forecllosed homes?
Some homes that have already been foreclosed upon will be given to realtors for sale. Others may be sold by the bank directly or at auctions. You would need to investigate each part ... more
0 votes Share Flag Wed Apr 23, 2014 Home Buying in 93720
Dave Sutton,…, Real Estate Pro in Portland, OR
Dave Sutton, Windermere, Portland answered:
Submitted Request for Repairs to Asset Manager for REO.... Now What?
If I were you, I'd assume that the lender's answer would be "no". Unless you have made an extraordinarily generous offer, lenders are not interested in negotiating much of anything. A ... more
0 votes Share Flag Wed Dec 28, 2011 Home Buying in Fresno
Dave Sutton,…, Real Estate Pro in Portland, OR
Dave Sutton, Windermere, Portland answered:
would I be able to get a loan FHA?
The terms and conditions for FHA loans are, in general, more lenient than most other loan programs at the moment. They also consider other things besides your FICO score. Talk to a go ... more
0 votes Share Flag Sat Dec 20, 2008 Home Buying in Fresno
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