95148 : Questions & Answers

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Sam S, Real Estate Pro in San Jose, CA
Sam S answered:
why do people not want to buy mobile homes?
high cost of fees and no appreciation ......
0 votes Share Flag Sun Jun 21, 2015 Home Buying in 95148
Jeremy Clark, Home Buyer in Caldwell, ID
Jeremy Clark answered:
How much income towards a rental will the banks count as income when purchasing a second home?

It really depends on the bank. Most will take your Net income reported on your schedule E and back out depreciation. Experienced lenders will take NI, add Depreciation, Inte ... more
0 votes Share Flag Fri May 15, 2015 Home Selling in 95148
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
can the other banks approved my home loan if i my wife she was having an account and paid up her debts after they notice she is having overdue?
Most likely what we would need to do is take her off of the loan. she can stay on Title. I am not sure if you are in MI or CA, if you are in CA I may be able to help you.

You can cl ... more
0 votes Share Flag Thu Feb 26, 2015 Home Selling in 95148
Bill Eckler-…, Real Estate Pro in Venice, FL
Bill Eckler-Florida, answered:
Should I buy a code violations property if I get good deal and good location?
This is a dated but still valid question.....

One should be very careful when it comes to purchasing property that have known code violations. While some are minor and require little ... more
0 votes Share Flag Tue Jul 22, 2014 Home Buying in 95148
Bahia Fear, Real Estate Pro in San Jose, CA
Bahia Fear answered:
we are pre-approve and the bank is locking in the interest rate does this mean we will get the loan once it has gone this far
Hello Hahnjj,

Generally a rate lock is done in the preliminary stages of your loan application. There are still many steps that determine if the loan will go through. For example, o ... more
0 votes Share Flag Thu Nov 21, 2013 Financing in 95148
Sam S, Real Estate Pro in San Jose, CA
Sam S answered:
Where do you think our Silicon Valley real estate market is heading? Is it still a good time to buy or hold?
Upward until market can not sustain at current level. Everyone knows the shortage of housing and strong demand from high tech industry will push the home prices more.

Just because ... more
0 votes Share Flag Sat Sep 28, 2013 General Area in 95148
Randy Roberts, Real Estate Pro in Beverly Hills, CA
Randy Roberts answered:
What are the requirements to get a conventional loan. Ex: you need minimum of 3 years of credit history
There is no credit history requirement, you will need a 620 credit score and 3% down for conventional loans with the Lenders I know that have helped my clients.. If you would me to refe ... more
0 votes Share Flag Tue Sep 24, 2013 Home Buying in 95148
Omar Khamisa, Real Estate Pro in Stockton, CA
Omar Khamisa answered:
I want to refinance for only $200K with $680K value of the house to lower the interest rate,no other debt. Is there a way to avoid appraisal fee?
it depend
if is your loan is with fannie mae or harp it is possible .
i have done few deal like that

Omar Khamisa
Mortgage Loan Manager

quality-expertise-service-Mortgage l ... more
0 votes Share Flag Tue Aug 27, 2013 Financing in 95148
Trung Lam and…, Real Estate Pro in San Jose, CA
Trung Lam and Evan Huynh answered:
How long does the bank take to approve a mortgage loan?
It is also depends on the completion of your application and support documentations. But a simple sweet answer would be 2-4 days.

Good luck!
0 votes Share Flag Tue Jun 11, 2013 Home Selling in 95148
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
Can you keep a well maintained boat in your carport in a Mobile home park?
Each park has their own set of rules. My experience in our area is even the more lenient parks restrict storing RV's in your carport or driveway. Many of them do have separate RV lots ... more
1 vote Share Flag Tue Jan 22, 2013 Home Buying in 95148
Michelle Car…, Real Estate Pro in Cupertino, CA
Michelle Carr-Crowe answered:
I'm looking for a title researcher (abstractor) with flat fee in San Jose, California.
Are you a new or experienced home buyer? My suggestion would be to ask the agent helping you for assistance and guidance on this.

Checking with the Recorders Office (in person) for ... more
1 vote Share Flag Thu Dec 20, 2012 Home Buying in 95148
Michelle Car…, Real Estate Pro in Cupertino, CA
Michelle Carr-Crowe answered:
foreclosed, 2nd loan, new home
You may need to ask an outside neutral third party to examine this for you before you get into contract. You can get a copy of the recorded note at your local County recorder's office t ... more
1 vote Share Flag Thu Dec 20, 2012 Home Buying in 95148
Maria Cipoll…, Real Estate Pro in Coral Springs, FL
Maria Cipollone answered:
Question about Rental requirements for a Single 30 year Fixed Loan
Of course you have proof, your parents can write a letter explaining that they received "X" amount of money every month from you guys for the past 2.5 years ( it could be any amount tha ... more
3 votes Share Flag Thu Dec 6, 2012 Financing in 95148
unitedloanfi…, Home Seller in San Jose, CA
unitedloanfinance answered:
Refinancing a jumbo loan in Evergreen, San Jose. Need help.
We are certified loan and project financing company. We offer guaranteed loans or funds to individuals and companies with low interest rates. We offer long and short term loans. Our com ... more
0 votes Share Flag Fri Nov 16, 2012 Financing in 95148
Grace Morioka, Real Estate Pro in Sunnyvale, CA
Grace Morioka answered:
Looking for agent who is familiar with REO properties to help me make offer on the house I'm interesting in.
Hi Pam and thanks for your post.

As you can see, there's plenty of great agents out there who can assist you! Give any of them a call and I'm sure you'll find one with whom you can ... more
0 votes Share Flag Sun Jul 22, 2012 Foreclosure in 95148
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Please discuss about Foreclosure/Trustee Sale @ Auction.com. Should I buy a home @ Auction.com?
A couple of things you should know... the starting price is niot the minimum they will take, it is usually much higher. Next when buying from an auction you can not usually make the sal ... more
0 votes Share Flag Sat Jul 21, 2012 Foreclosure in 95148
Leila S. Mor…, Real Estate Pro in Los Gatos, CA
Leila S. Mortaz answered:
I'm thingking of purchasing a home for my son in cash. Half of the funds will come from my account and half from his aunt. is that gona be a?
Please don't forget that some sellers (banks) have seasoning requirements for the funds. In other words, the funds have to be in the account that will be used to fund the purchase for ... more
0 votes Share Flag Wed Jun 20, 2012 Home Buying in 95148
Stu Carson, Real Estate Pro in San Jose, CA
Stu Carson answered:
I'm interesting of buying in the trustee sale: 3294 Floresta Dr, San Jose, CA 95148 at auction.com. Does anyone give me more infos about this?
I owned a company that did exactly what you want to do on a daily basis for years. It took 3 of us working daily to buy at auction in a manner that had reasonable control of the risks i ... more
0 votes Share Flag Fri May 18, 2012 Home Buying in 95148
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski answered:
How important is a realtor in getting an offer accepted?
I think it's very important. Find a Realtor who is VERY familiar with your very specific neighborhood and a Realtor that has been around for a while and knows a lot of the listing agen ... more
0 votes Share Flag Thu Apr 26, 2012 Home Buying in 95148
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