Home Buying in Rancho Cordova : Advice

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Randall Ortiz, Real Estate Pro in Sacramento, CA
Randall Ortiz answered:
what is the hoa on this home?
I just looked it up on MLS and it states there are No HOA fees for that one. I'm an agent in the Sacramento area. Contact me if you need assistance looking into it further. 916-529-3 ... more
0 votes Share Flag Mon Apr 15, 2013 Home Buying in Rancho Cordova
Tina Lam, Real Estate Pro in San Jose, CA
Tina Lam answered:
I am involved in a real estate transaction where the current seller has delinquent HOA fees.
Sounds like you're in a short sale transaction. There are so many variables that it's really next to impossible for anybody outside the transaction to provide any sound guidance. You ... more
0 votes Share Flag Fri Mar 22, 2013 Home Buying in Rancho Cordova
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
i have pulled my three credit scores and they are between 660-710 will i qualfy for a mortgage, i have been at my current job for 9 1/2 years
There are other things that play a factor in whether you qualify such as your income and how much debt you have. No one on a general website can tell you whether yes you qualify or not ... more
0 votes Share Flag Sat Feb 16, 2013 Home Buying in Rancho Cordova
Joss Mcdaid, Real Estate Pro in Fair Oaks, CA
Joss Mcdaid answered:
Hi, I am looking to buy new construction, do you know experienced realtor?
Hello, and thank you for posing the quesiton. I have 11 years experience and have sold 12 homes in the Anatolia area of Rancho Cordova. I have knowledge of the Mello-Roos fees, HOA fee ... more
0 votes Share Flag Mon Dec 10, 2012 Home Buying in Anatolia Village
Lisa Rothfels, Real Estate Pro in Gold River, CA
Lisa Rothfels answered:
Is a condo a smart choice over an apartment?
A definate yes in the current housing market. Your mortgage payment, including taxes and insurance, will probably be less or equal to what you pay for rent in an apartment. Additional ... more
0 votes Share Flag Thu Dec 6, 2012 Home Buying in 95670
Sue Archer R…, Real Estate Pro in Tampa, FL
Sue Archer Reynolds answered:
can i get a silent second on my fha loan i dont have a down what are the risks?
This is a question for your lender to determine affordability and what you'd need to bring in to obtain a mortgage. If you are a military veteran then a VA loan does not require a downp ... more
0 votes Share Flag Thu Jun 5, 2014 Home Buying in Rancho Cordova
Patrick &…, Real Estate Pro in Sacramento, CA
Patrick & Tina answered:
My question is, how hard is it to purchase another home in Rancho Cordova while maintaining my home in NC.
You are right, your lender will want to know if you are purchasing the property for investment
or personal residence to know what type of loan product they will be able to offer you... ... more
0 votes Share Flag Mon Jan 14, 2013 Home Buying in 95670
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
I have charge off and unpaid credit cards on my credit report can i qualify for a home loan? I never had foreclosure or repos it's just credit
Credit is the key here!!! Your credit score is one of the most important factors in determining whether you can get a mortgage. Chances are, you will need to pay off your credit cards b ... more
0 votes Share Flag Sat Jun 2, 2012 Home Buying in 95670
Annette Levi…, Real Estate Pro in New York, NY
Annette Levinson answered:
My sister and I inherited a house with no mortgage. Both names are on the deed now. How do I buy her out of the home?
If you are living in the house you can get a FHA to pay your sister her share of the house. You can roll the closing costs into the mortgage if the DTI works out.
If it will be an inve ... more
0 votes Share Flag Tue Mar 20, 2012 Home Buying in 95670
Sue Archer R…, Real Estate Pro in Tampa, FL
Sue Archer Reynolds answered:
I filed chapter 13 bankruptcy in aug 2009. I have done nothing to re-establish credit so my credit score is 596. great salary 25 yrs. can i qualify?
Normally I believe you have to have it discharged in order to qualify for a loan but I'll rely on the mortgage professionals to guide you in this confusing market.

Chris Stahl ... more
0 votes Share Flag Sun Oct 9, 2011 Home Buying in 95670
Suzanne MacD…, Real Estate Pro in 07856
Suzanne MacDowell answered:
Is it appropriate for the buyer (as opposed to the buyer's agent) to call the listing agent to check on the status?
I would not recommend it at all, ever! The problem is not the other agent, it is the bank. Real Estate Agents only get paid once the property closes, so, trust me, they are doing all ... more
0 votes Share Flag Fri Mar 16, 2012 Home Buying in 95670
Anna Boyd Re…, Real Estate Pro in El Dorado Hills, CA
Anna Boyd Re/Max answered:
Which newer (Less than 10 years old) Rancho Cordova communities do not have Mello Roos?
The Elliott Homes at Stonecreek south of Hwy 50 off Zinfandel do have Mello Roos, but they're less than
$50 a month rather than other areas that can run much higher.
0 votes Share Flag Wed Jun 8, 2011 Home Buying in Rancho Cordova
Sue Archer R…, Real Estate Pro in Tampa, FL
Sue Archer Reynolds answered:
Since the explosion, what has been the effect on value for properties near the pipeline vs those that are not?
Are you referring to the explosion down in San Francisco?
0 votes Share Flag Mon Apr 4, 2011 Home Buying in Rancho Cordova
Gregory Masi…, Real Estate Pro in Los Angeles, CA
Gregory Masi - 310.622.7488 answered:
recent divorce=short sale. otherwise perfect credit. Good salary, any programs to help me buy a home? Lease option ideas?
First, talk to a mortgage broker who may be aware of creative ideas. Second, it may be possible to do a 'seller financing' situation, where the owner carries the first loan. ... more
0 votes Share Flag Fri Feb 4, 2011 Home Buying in 95670
John Souerbry, Real Estate Pro in Palo Alto, CA
John Souerbry answered:
Can I buy a house with bad ok credit.?
Why would you want to take on a huge debt - and commitment - that is a mortgage when you still owe money to others that you can't pay? Before you consider buying property, you sho ... more
0 votes Share Flag Sat Dec 18, 2010 Home Buying in 95670
tim moore, Real Estate Pro in Nags Head, NC
tim moore answered:
Is this fishy? Sellers agent says house is pending but MLS has remained in "active" status for the past two weeks? And remains
It sounds like it is being handled poorly by the listing agent. That agent might think it is going to be accepted based on what they were told by the owner or lender and they may be jus ... more
0 votes Share Flag Sat Dec 4, 2010 Home Buying in 95670
Mack McCoy, Real Estate Pro in Seattle, WA
Mack McCoy answered:
Paying seller to sell the home
There's nothing that you can do to force the seller to sign anything for you; no clause, no paperwork stating anything. She may very well have accepted cash from her friend.

If ... more
0 votes Share Flag Wed Aug 18, 2010 Home Buying in 95742
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
I am trying to purchase a short sale home; however, the bank keeps asking for more and more money. The house was listed for $298k, I offered $311k
Not knowing all the details--your agent can best advise you regarding rescinding as it relates to your specific situation, contract, other details, etc. Keep in mind that lenders are lo ... more
0 votes Share Flag Wed Dec 1, 2010 Home Buying in 95670
Michelle Tho…, Real Estate Pro in 95762
Michelle Thompson answered:
Can anyone bid on properties being sold at a Trustee's sale? Is there a qualifying process?
To qualify, you will need to show the auctioneer cash or cashier’s checks sufficient to cover any bids you will be making. Some Trustees specify checks are to be made out to the ... more
0 votes Share Flag Wed Sep 9, 2009 Home Buying in Rancho Cordova
James Blaylo…, Real Estate Pro in 95762
James Blaylock answered:
If a home has been in Short Sale Contingent for 5 months and there are other offers on the table for cash
The short answer is no. The asset manager at the bank that holds the note is the person making the final decision. No two transactions are the same especially with short sales. There is ... more
0 votes Share Flag Sat Jul 4, 2009 Home Buying in Rancho Cordova
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