92656 : Questions & Answers

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Im looking to purchase an investment property here locally in Orange County, Have had some real bad experiences with different lenders. Help?
What were the issues you had with the other lenders? Should be pretty straightforward with your credit score, adequate income, down payment and debt-to-income ratio.
0 votes Share Flag Fri Nov 7, 2014 Home Buying in 92656
Lori Hanson, Real Estate Pro in ,
Lori Hanson answered:
are the houses here close to the lake? how close are they particularly lake elsinore new houses, thanks?
There are a number of homes that are within walking distance of the lake and go out from there. All are pretty much a short drive to the lake where there is public access to the lake f ... more
0 votes Share Flag Tue Apr 22, 2014 Home Buying in 92656
,  in
Do you need 20% down in order to avoid paying PMI?
You have a couple of options:

1.) 1 1st and 2nd combo

2.) 1 loan at 90% LTV with lender paid MI included in rate, and some rare ones have none at all

as far as I know right now ... more
0 votes Share Flag Sat Mar 1, 2014 Home Buying in 92656
Elizabeth De…, Real Estate Pro in ,
Elizabeth DeBiasi answered:
Our home is in a short sale, and we had a BK a year ago, is it possible to rent property with these credit down falls? credit score around 670 -617
I've done a lot, and I do mean a lot of leases over the years, and I concur with the others that with a good explanation, there are landlords out there who will take your family assumin ... more
0 votes Share Flag Fri Jan 17, 2014 Rentals in 92656
Dave Redders…, Real Estate Pro in Orange, CA
Dave Redderson answered:
I'm looking for a short term 2 or 3 month lease for a studio near Aliso Viejo/mission Viejo until I find a house to buy and a job !. any ideas ?
The Irvine Company has many rental properties with flexible terms. Visit their website at: http://www.rental-living.com/

Dave Redderson, Broker Associate, CRS, ABR, ePRO
... more
0 votes Share Flag Thu Aug 15, 2013 In My Neighborhood in 92656
Jacqueline S…, Real Estate Pro in Laguna Niguel, CA
Jacqueline Screeton answered:
are banks doing short sales these days, if so.. how long does it take to get approval upon offer (avg).?
Yes, banks are still doing short sales. On average it takes about 2-3 months for bank approval on the short sale. But it depends a lot on how fast the seller is turning in bank statemen ... more
2 votes Share Flag Sun Jul 7, 2013 Home Selling in 92656
David Bates, Real Estate Pro in Laguna Niguel, CA
David Bates answered:
Is it even possible to find a single-family home in or near Aliso viejo for under 200 k? Are foreclosures a bad idea?

This is an REO right now! They pop up every so often and go quickly. The best thing you can do is be ready for one. You need a solid strategy, financing in order, and you ... more
0 votes Share Flag Tue Jan 22, 2013 Home Buying in 92656
jason irwin, Real Estate Pro in Newport Beach, CA
jason irwin answered:
We are interested in a rental in Aliso Viejo before buying. Any realtors specialize in rentals?
There are a number of quality rentals that come on the market daily in Aliso Viejo that wouldfit what you are looking for. DO not worry about your bankruptcy, I work with a number of l ... more
0 votes Share Flag Thu Apr 12, 2012 Home Buying in 92656
jason irwin, Real Estate Pro in Newport Beach, CA
jason irwin answered:
Are there any detatched houses in Aliso Viejo for under 500,000?
there are a number of homes in Aliso Viejo under $500k,there are some really good deals out there actually. In my opinion in what Ihave been seeing, now is a great time to buy in that ... more
0 votes Share Flag Thu Apr 12, 2012 Home Buying in 92656
Bob Phillips, Real Estate Pro in Rancho Santa Margarita...
Bob Phillips answered:
Can I fund my FHA loan with $14,000 worth of "negotiation fees" on a 400k house. These fees are to be paid to escrow
No Bad, Gregorio.

Your contribution was relevant, and accurate.

Hopefully, someone who is contemplating such a transaction, TODAY, will take heed of the relevant answers given ... more
0 votes Share Flag Fri Jan 27, 2012 Financing in 92656
Camille, Renter in Aliso Viejo, CA
Camille asked:
Section 8 Nice homes in So cal Right now, I live in a townhome under Section 8 in Laguna Hills. But it is not in the best neighborhood. I saw some nicer homes around my area that fit my criteria of what Im looking for…
0 votes Share Flag Thu Oct 20, 2011 Rentals in 92656
Rudy R. McDo…, Real Estate Pro in ,
Rudy R. McDowell answered:
What type of down payment is required for short sales and foreclosed homes typically in Aliso? Standard ones?
Hi, Helen. Regardless of the state, FHA requires a minimum down payment of 3.5%. When it comes to Conventional financing, there are some programs (Homepath and LPMI) that require as ... more
0 votes Share Flag Tue Aug 30, 2011 Financing in 92656
D, Home Buyer in San Francisco County,...
D answered:
looking to rent probably about 60 days, from april 10th, 2011, while visiting family in OC, 2 seniors, no pets, could be within a 20 miles radium
maybe around $ 850- 900
have no idea of prices in that area, I'm very honest with you
0 votes Share Flag Fri Oct 22, 2010 Agent2Agent in 92656
Karen Parsons…, Real Estate Pro in Laguna Beach, CA
Karen Parsons Fiddler answered:
If you are in the process of submitting an offer on a shortsale and it goes in default do you lose the purch
Hi Jaynet,

If you are asking about your deposit? No....you will not lose it. The entire offer and all the conditions with in are subject to bank approval. So you don't have to worry ... more
3 votes Share Flag Thu Feb 26, 2009 Home Buying in 92656
Joe Homs, Real Estate Pro in Mission Viejo, CA
Joe Homs answered:
how long after after answer is filed by homeowner does the property go into default?

To get you question properly answered, I would need some more information. If you are facing default, there are some choices to make. I just negociated a reduction in the inte ... more
0 votes Share Flag Thu Apr 10, 2008 Foreclosure in 92656
Emily Erekuff, Home Owner in Menifee, CA
Emily Erekuff answered:
I'm an owner. How do I edit my home info (it's way off and missing a lot of data)?
Hi Vickie,

Except for a few rare cases, Trulia does not receive listing information from the MLS. Please direct your agent to the link below to submit your listing information to Tru ... more
0 votes Share Flag Mon Mar 17, 2008 Using Trulia in 92656
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