Galt : Questions & Answers

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RonS, Real Estate Pro in Concord, CA
RonS answered:
My interest only loan matures in 6 months. I can't afford to refinance. What are my options?
Is there equity? THE FDIC came out with guidance they want the lenders to work on with borrowers that have maturing or ballooning HELOCs. If you have equity, sell it. Obviously you can' ... more
0 votes Share Flag Mon Feb 2, 2015 Foreclosure in Galt
Hector Solis, Real Estate Pro in 95632
Hector Solis answered:
my short sale completed 8/10. my current score 629. gross income is 200k- how soon can I purchase
Hello,

You should be okay to buy now. If the short sale is over 3 years old there are different programs that you should be able to qualify for. Now is the best time to purchase wi ... more
0 votes Share Flag Tue Oct 21, 2014 Home Buying in 95632
Debra (Debbi…, Real Estate Pro in Livingston, NJ
Debra (Debbie) Rose answered:
My landlord moved onto the property I rent from her in a tent without asking myself and 2 other tenants if we were ok with that.Can she?
That's a first for me!

Is the home you rent situated on many acres, or is this tent within a few feet of the house or in the backyard?

My initial response would be to say, no, she ... more
0 votes Share Flag Wed Oct 8, 2014 Rentals in 95632
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller Gravelle answered:
I want to buy the house I live in from my parents for what is due on the note, and then sell the house in the next year.
Hi Airman Scott,

I was just discussing this scenario with another Veteran yesterday.

As a disabled Veteran, you will not have to pay any of the VA funding fees.
There is also a b ... more
0 votes Share Flag Thu Jan 9, 2014 Home Buying in Galt
JCL Mortgage, Real Estate Pro in Sacramento, CA
JCL Mortgage answered:
When does a short sale negotiator get paid? Does the negotiator get paid even if the bank refuses the offer? The listing agent wants the buyer to pay
I don't' think anyone gets paid until the transaction is complited.
0 votes Share Flag Mon Aug 26, 2013 Home Buying in 95632
John Arendsen, Real Estate Pro in Encinitas, CA
John Arendsen answered:
Lending on 1978 Mobile Home in Senior Park under 40k
If it's a rent/lease community you will have to find a chattel (personal property) lender that would be willing to lend on a MH that old. If you did find a lender you would be looking a ... more
0 votes Share Flag Sat Feb 16, 2013 Financing in Galt
Ernest Mathe…, Real Estate Pro in 95693
Ernest Mathews answered:
My parents live out in the country in the Herald area. They have a very nice 2600 square ft. home located on 5 acres and surrounded by similar homes.
Things are inproving in the country You need a agent that knows the area I have live out here for 25 years and this is also were my office is call and we can talk
Ernest Mathews
Wilt ... more
0 votes Share Flag Thu Dec 6, 2012 Market Conditions in 95632
Jacob Varghe…, Real Estate Pro in San Jose, CA
Jacob Varghese answered:
Do you lend in sacramento, ca?
Yes Kinderlynn - Sacremento and any place in CA for that matter.

Jacob
NMLS 327086
0 votes Share Flag Fri Nov 16, 2012 Financing in 95632
April Cooke, Real Estate Pro in 95693
April Cooke answered:
Can I refinance if my loan is about 100k under?
Your mistake was going to your bank, it is very hard to qualify for loans or refis with the larger banks right now. You want to get qualified with a Mortgage Banker, they are Direct Len ... more
0 votes Share Flag Tue Oct 30, 2012 Financing in 95632
Alison Hillm…, Other/Just Looking in San Francisco, CA
Alison Hillman answered:
Rent/REnt to Own<need a move -in ready 3 bdrm /2 bath-no pool,
Hi there-

Check out some options on Trulia:
http://www.trulia.com/for_rent/Galt,CA/SINGLE-FAMILY_HOME_type/#for_rent/Galt,CA/3p_beds/2p_baths/SINGLE-FAMILY_HOME_type

Good luck,
... more
0 votes Share Flag Sun Oct 28, 2012 Rentals in Lake Canyon Estates
Larry Tollen, Real Estate Pro in Durham, NC
Larry Tollen answered:
With this economy I am considering investing in real estate to use as rentals for income.It seems to be the best place to invest long term.Is it?
I'd suggest you proceed slowly and with reasonable expectations. I'd also look around for a very experienced by broker who works with investors and can offer you guidance. I've attached ... more
0 votes Share Flag Thu May 31, 2012 Home Buying in 95632
Rene' De Bla…, Real Estate Pro in San Diego, CA
Rene' De Blanco, MBA answered:
Can the buyer of a foreclosure become responsible for any debts that the previous homeowner had? i.e., seconds taken out on the home
The buyer's lender will want to have all liens against the property cleared. Frankly, no lender is going to extend a loan on a house with a lien (secured or unsecured) on title. Furth ... more
0 votes Share Flag Tue Apr 10, 2012 Foreclosure in 95632
Bud Zeller, Real Estate Pro in Placerville, CA
Bud Zeller answered:
I CAN FIX UP HOMES FOR SELL WHO CAN I CONTACT FOR THAT KIND OF WORK
Interview at least 3 contractors for experience in the area of the home. Check references an the state contractors board to make sure they have the appropriate licenses, etc!
0 votes Share Flag Tue Nov 30, 2010 Remodel & Renovate in 95632
James Lyon, Real Estate Pro in Sacramento, CA
James Lyon answered:
can i get some feeback on this property, 1149 W Hill Ct Galt, CA 95632-3741, area, comps, anything i should be aware in the Galt area.?
Hi Pauline,
Looks like a great home, priced right and has been on the market only 6 days. It is a bank owned property and it looks like they will be maintaining the home until the clos ... more
1 vote Share Flag Thu Feb 11, 2010 Home Buying in Galt
Anna Boyd Re…, Real Estate Pro in El Dorado Hills, CA
Anna Boyd Re/Max answered:
are horses allowed for personal use on simko ranch lane, galt, ca 95632?
There are CCR's for this area. I checked all prior listings and no one answered the question regarding horses. We can answer Yes, No or don't answer at all - and none were a ... more
0 votes Share Flag Sun Dec 20, 2009 In My Neighborhood in Galt
Voices Member,  in
Voices Member answered:
Self Employed Under 2 years with 790 credit score...options???
either you make the money necessary to buy a home or you dont

dont write down so much and qualify
0 votes Share Flag Sat Jan 24, 2009 Home Buying in Galt
Sue Archer R…, Real Estate Pro in Tampa, FL
Sue Archer Reynolds answered:
Selling a house below market value, would they pay property taxes on the sale price or current market value?
The answer is..that depends.

If it's a child, or grandchild then the tax basis can be transferred. If you have a corporation owning the home, rather than an individual, or the famil ... more
0 votes Share Flag Wed Nov 19, 2008 Home Selling in Galt
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