Charlie Ramos

"Tulare County's Real Estate Expert!"

I'm a:	Real Estate Professional
Company:	Century 21, Jordan-Link & Co.
Location:	Exeter Farmersville Lindsay Tipton Tulare Visalia View all locations...
Web sites:	CharlieRamos.com
	My Blog
Phone:	(559) 300-0853

23 Answers
1 Best Answer
4 First Answers
2 Useful Answers

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About Me

I provide quality, informed professional real estate services for families accross Tulare County. Whether you are selling, buying or both, I have a customized plan for you. Please call today!

I have been a Tulare resident for 40 years. A graduate of Tulare Union High School, and Fresno State! I also served in in the U.S. Army from 1989 to 1998 and am a veteran of the Persian Gulf War. I participate in several extra-curricular activities and organizations centered around church and the community.

Testimonials

"Thank you so much for your patience in getting me that house!! You Rock!"
Rhonda Y. Fri Oct 31

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Charlie Ramos's Questions (0)

Charlie Ramos's Answers (23)

How much would the down payment be if I want to have a monthly payment of $1,000 or less?

Asked Sun Oct 26 2008, 21:57 by Bee Bounmy - 93291 - Home Buying - 2 answers

Charlie Ramos answered:

If you want a pretty close ball park figure take a look at my website or century21.com. I plugged in your question in to Century21.com mortgage caluclator..here is what I came up with.

Purchase Price: $181,309
Loan Amount: $135,000
Interest: 6.25%
House Insurance: 900
Property taxes (1.25%): 2100

This would give you a payment of aprox.: $1081
The downpayment is approx: $46,000.

If you have any questions or would like to make an offer on this or any house..please call.

Charlie - Sun Nov 16 2008, 20:35

i was told by our agent that closing costs can no longer be paid by seller is this true

Asked Sun Nov 16 2008, 00:25 by Mitzi - Porterville - Home Buying - 5 answers

Charlie Ramos answered:

Make sure you talk to your lender to explain what your realtor is failing to do. All concessions (costs paid by the seller) are regulated by the type of loan you are getting. There are some instances where total concessions cannot exceed 3%. An FHA loan the seller can pay for closing costs but again, there is a limit of how much. Also, you should read your "good faith estimate" closely. This will tell you your amount of investment and how much if any the seller is expected to contribute. If your lender didn't give this to you, get it before you make another move. I also would suggest you let your realtor know the he should be helping you with this.

I make sure my clients are fully aware of all the costs of any loan they are getting. My philosophy is simple, if you are well informed, then you will make the right decision.

Charlie - Sun Nov 16 2008, 20:18

we have 17,000 for a down i need a lender for the balance or a similar prpperty that the owner w/carry

Asked Mon Nov 3 2008, 14:42 by Jamesmora - Fresno - Home Buying - 3 answers

Charlie Ramos answered:

Hi...Here is what you can do.

Find a Realtor that you can trust. They will recommend you some good lender that they have used. If you would like some referrals give me a call. or Email me through my website. http://www.charlieramos.com

Good luck,

Charlie - Mon Nov 3 2008, 15:29

Why doesn't any agent cll me about this home?

Asked Wed Oct 29 2008, 18:48 by Albert Rivera - Strathmore - Home Buying - 5 answers

Charlie Ramos answered:

Hi Albert, I just left a message on your phone. I sell real estate in your area. Give me a call at 559-300-0853 or you can email me at charlie@charlieramos.com

I would be happy to help. - Fri Oct 31 2008, 15:41

where is briarwood this map doesn't show you crap?

Asked Tue Oct 28 2008, 20:17 by Robert Butler - 93257 - Home Buying - 2 answers

Charlie Ramos answered:

This house should have location info on the listing. The best thing to do is to call the listing agent and ask. If you have an agent you are working with...tell him or her to get the info for you! Good Luck. - Wed Oct 29 2008, 11:44

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