93308 : Questions & Answers

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TERRY MCCARL…, Real Estate Pro in Cape Coral, FL
TERRY MCCARLEY answered:
Seller wont release deposit i was refused loan day before close of escrow because of a student loan i went bankruptcy an dischared in 1993
Why didn't your lender discover this when you applied for the mortgage? You might want to speak with another lender as you state it was discharged in 1993 so it shouldn't be an issue i ... more
0 votes Share Flag Fri Mar 14, 2014 Home Buying in 93308
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Short sold our home two years ago. We are looking at another home and are able to put 20 % down. We cannot find financing other than hard money.
You can now qualify FHA ONE YEAR from a short sale, foreclosure, deed in lieu or BK. You may qualify FHA from a minimum 580 fico score and 3.5% down or as low as .5% half percent down p ... more
0 votes Share Flag Sat Mar 1, 2014 Home Buying in 93308
Wenghailian, Home Buyer in Bakersfield, CA
Wenghailian answered:
How much is Mello Roos?
How much is mello roos in Shafter, CA?
0 votes Share Flag Thu Oct 10, 2013 Home Buying in 93308
Mark R. Barr…, Real Estate Pro in Bakersfield, CA
Mark R. Barrett answered:
i have poor credit and a credit score of about 540. Will it be possible to purchase a home within 14 months if I can improve it.?
Many strong lenders can do loans as low as 500 FICO. It has to make sense why you have that score and expect lender to believe it was a one time event that has passed that caused this. ... more
0 votes Share Flag Thu Aug 1, 2013 Home Buying in 93308
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Can I include realtor fees and closing costs in my mortgage when I buy a home? Can I also include costs for repairs and appliances?
Realtor fees are paid by the seller and closing costs can be partially covered with premium financing. You can include costs for minor repairs, carpet, paint and appliances with the str ... more
0 votes Share Flag Sat May 11, 2013 Home Buying in 93308
Dee Oliver, Real Estate Pro in 93306
Dee Oliver answered:
If I buy a home that has a mello roos of $2200 based on a $409,000 value and the new purchase price is $600,000, with the mello roos stay the same ?
Since no one has answered your question,I will attempt to give you some direction. First, I would call a local title company and ask what they know. They would be a good resource. Se ... more
0 votes Share Flag Wed Mar 20, 2013 Home Buying in 93308
halpinmegan, Both Buyer and Seller in Corona, CA
halpinmegan answered:
what do i need to do to get a house. I dont have credit?
As long as you have a downpayment and income you can go with a mortgage alternative program such as that of Cove Financial. They are the only ones lending to people without credit.
www ... more
0 votes Share Flag Mon Jan 28, 2013 Home Buying in 93308
Andrew Brager, Real Estate Pro in Los Angeles, CA
Andrew Brager answered:
should I sell or rent my home in Oildale;it has depreciated 150,000.?
Everybody else is offering you the following:

Offer and Compromise (“Mortgage Debt Relief,” also known as “The Short-Sale”). The prospect of debt forgiveness ... more
0 votes Share Flag Sun May 6, 2012 Market Conditions in 93308
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
what kind of area is 99 serve ln in bakersfield, ca?
I have never ever seen a sentence where the word "in" was used twice in succession.
It makes it a little difficult to understand.
0 votes Share Flag Tue Mar 13, 2012 Home Buying in 93308
Mark R. Barr…, Real Estate Pro in Bakersfield, CA
Mark R. Barrett answered:
What is average price to rent/buy a house (30-35 years old) in Olive Drive/Oildale area in bad repair -?
Teddy is right. Get a realtor, like herself, to be the one person to get the team together and fix the problems. From a lender standpoint, those problems have to be fixed to get a loan ... more
0 votes Share Flag Fri Feb 17, 2012 Rent vs Buy in 93308
Valerie Ulrey, Real Estate Pro in Bakersfield, CA
Valerie Ulrey answered:
i was approved for short sale through chase and as the escrow began i received denial of hafa based on credit report. I qualify under all requirements
Penny,
I agree with Kenny, it is unusual to get denied for the HAFA program. If you have already received short sale approval through Chase, I would contact your negotiator at Chase to ... more
0 votes Share Flag Sat Jan 28, 2012 Home Selling in 93308
Mike Papanto…, Real Estate Pro in Arvada, CO
Mike Papantonakis answered:
thank you for the answer. okay now i have another 1 ?? how long do you have to wait after you purchase a home, to do a 2nd or equaity line of credit ?
Great question for your mortgage lender or 2nd mortgage lender. I don't know that there is any rule on that. I've had buyers close on their first and second mortgages at the s ... more
0 votes Share Flag Sun Nov 14, 2010 Home Buying in 93308
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Can my loan include my car?
No, they need to be separate loans.

Anna
0 votes Share Flag Mon Jan 11, 2010 Home Buying in 93308
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