93230 : Questions & Answers

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Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
How do I list my home on your site for sale by owner? Also I have tried to claim this home and after I do my profile shows I have no claimed homes?
If you are a for sale by owner the post is not allowed; if and when you do list with an agent, he/she can post it for you, ask; or consider any flat fee realty company that feeds into t ... more
1 vote Share Flag Wed Jul 2, 2014 Home Selling in 93230
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
What is a good starting point for looking to buy a home? Credit score of? Down payment of? What are the basics?
Hello Jenae, the basics are FHA with fico scores between 500-579 will require 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as .5% half percent down payment pro ... more
0 votes Share Flag Fri Feb 14, 2014 Home Buying in 93230
Walter 'Skip'…, Real Estate Pro in 92870
Walter 'Skip' Kersten answered:
how does a mortgage place handle the debt of current house ratio into buying another. Until we sell first. Any advice.?
You can get pre-approved for a loan on the new home contingent upon selling the existing property. The first house will need to cloe escrow before the second house. Your Realtor will ... more
0 votes Share Flag Fri Oct 25, 2013 Home Buying in 93230
Robin Boyer, Real Estate Pro in Hanford, CA
Robin Boyer answered:
Is this the right time to sell my house and do I have enough equity in my home?
I see you own a home in Hanford, CA.
Homes in Hanford are in high demand at this time.
There are a lot of factors to consider.
Several key questions to ask yourself are:
Are you cur ... more
0 votes Share Flag Sat May 18, 2013 Home Ownership in 93230
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
I have a tricky question. We paid off most of our creditors on our credit report, which took our score down
I can! A little late but I specialize in Under 640 Fico Score Loans and offer credit repair at no cost to raise fico scores to qualify. I work directly with the bureaus so it only takes ... more
0 votes Share Flag Sun Oct 28, 2012 Home Buying in 93230
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
And finally, how high does your credit score have to be to use a VA?
VA is not credit score driven but I can look at your credit profile and know if I can fund the loan.

CHF Access half percent down flyer, pdf
http://tinyurl.com/9ewk9nq
Sheryl Arnd ... more
0 votes Share Flag Sun Oct 28, 2012 Home Buying in 93230
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
if i have bad credit can i buy a house if i have a co-signer with really good credit
If you have a minimum 500-579, you may qualify for FHA 10 % down. If you have a minimum 580 fico score you may qualify for CHF Access half percent down payment program throughout CA. Th ... more
0 votes Share Flag Sun Oct 28, 2012 Home Buying in 93230
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
if i have bad credit can i buy a house if i have a co-signer with really good credit
If you have a minimum 500-579, you may qualify for FHA 10 % down. If you have a minimum 580 fico score you may qualify for CHF Access half percent down payment program throughout CA. Th ... more
0 votes Share Flag Sun Oct 28, 2012 Home Buying in 93230
Robin Boyer, Real Estate Pro in Hanford, CA
Robin Boyer answered:
Can you purchase a home that is in a notice of default?
Under the Notice of Default the Seller still owns the property and must be approve the sale, as well as the lender. This would be a short sale if what is owed on the property is more t ... more
0 votes Share Flag Sun Sep 9, 2012 Home Buying in 93230
Christopher…, Real Estate Pro in 10591
Christopher Pagli - ABR, GREEN answered:
Why don't realors place a pending sale on a home when it is going through escrow instead of continuing to?
One good reason is that it's never done until it's done and they want to show in case the deal falls apart. some sellers can request no more showings but it's always wis ... more
0 votes Share Flag Sun Feb 12, 2012 Home Buying in 93230
Voices Member,  in
Voices Member answered:
so I will lose $2000.00 how about that liquidated damages?. will the mortgage company charges me too?
First, all the advice given to you can be summed up with - talk to your agent and read your contract. If you can't get an answer from your agent that you understand, talk to the b ... more
0 votes Share Flag Sun Jan 8, 2012 Home Buying in 93230
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
bank owned "as is"...will they give you carpet allowance?
All FHA is concerned with is HEALTH and SAFETY.
Carpet is neither.
All the Bank is concerned with is AS-IS,
They ask us, "What part of AS-IS do you not understand?

Supposedly ... more
0 votes Share Flag Thu Dec 1, 2011 Home Buying in 93230
Rene Duffield, Real Estate Pro in Temecula, CA
Rene Duffield answered:
i closed on my first home on april 16 2010 and i know i qualify for the federal tax credit of 8000.00 . Do i qualify for the state tax of 10000.00
to the date of Aug, 19, 2010, I understand the tax credit reservations are full and limited to new homes only and that is ify.
0 votes Share Flag Tue Aug 31, 2010 Home Buying in 93230
Muni Sukhu, Real Estate Pro in Hanford, CA
Muni Sukhu answered:
Really want to buy this foreclosed, bank owned home. It has some things that must be fixed on it...
You should look into 203K loan on this house.
0 votes Share Flag Mon Jul 20, 2009 Home Buying in 93230
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
What is a Rapid Rescore and how do I go about working with this?
Hi Patti, this site provides a good overall explanation:
http://www.thetruthaboutcreditcards.com/rapid-rescoring/

As far as timing, a "Rapid Rescore" allows you to update all three ... more
1 vote Share Flag Fri Jul 17, 2009 Home Buying in 93230
Patti, Home Owner in Hanford, CA
Patti asked:
Why is it bad to check your FICO scores, and why does it bring down your score when you are keeping watch on? your credit? This is insane, this is how I found a fraudulent account in my report.
0 votes Share Flag Fri Jul 17, 2009 Home Buying in 93230
Patricia Apo…, Real Estate Pro in Tampa, FL
Patricia Aponte answered:
Is there a site to go to in order to get a free FICO score wtihout paying for a monthly credit watch?
Patti,
Te wesite we use most is www.annualcreditreport.com. You will get a complete credit report that is important you review for any errors. There is a slight fee ( I think $4.95) t ... more
0 votes Share Flag Wed Jul 8, 2009 Home Buying in 93230
Roswell Moore…, Real Estate Pro in Scottsdale, AZ
Roswell Moore, CMPS answered:
Can anyone tell me how long it takes for a FICO score to rise after paying off all your creditors? Its been
Hi Patti,

From what you described - you paid off your debts & your score dropped - tells me you paid off what is classified as "Derogatory Accounts" such as judgments, write-offs, co ... more
1 vote Share Flag Tue Jul 7, 2009 Home Buying in 93230
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