Home Buying in Hanford : Questions & Answers

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Alex Greer, Real Estate Pro in California
Alex Greer answered:
Is the 9976 sierra drive property for sale, or has it been sold?
No it is not for sale. Let me know if I can help you with anything else.

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

... more
0 votes Share Flag Thu Sep 18, 2014 Home Buying in Hanford
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 Brea, CA
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
TERRY MCCARL…, Real Estate Pro in Cape Coral, FL
TERRY MCCARLEY answered:
can i live in an rv on my vacant lot?
Check with your city officials. Some areas of the country allow it while other areas do NOT.
0 votes Share Flag Fri Aug 16, 2013 Home Buying in Hanford
helpugetahome, Both Buyer and Seller in Visalia, CA
helpugetahome answered:
We are ready to purchase a condominium. Owner is elderly. We are skeptical that she will have all of her possessions out at closing.
You say this is an elderly owner. If you are in such a hurry to move in, help her out by having a moving company assist. This would end up being a win-win situation, since the seller ... more
0 votes Share Flag Wed Feb 27, 2013 Home Buying in Hanford
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
Tom Miller, Real Estate Pro in Lavonia, GA
Tom Miller answered:
If the seller doesn't show up for closing -- and the deal is "off" -- who is responsible for paying the commission to the Broker?
Wow. That is tough. Are you an agent or the Buyer? Are you in Marietta or in Hanford? If the property was listed, then the listing agreement should hold the Seller responsible for t ... more
0 votes Share Flag Thu Oct 18, 2012 Home Buying in Hanford
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
Kim Murphy, Home Owner in Texarkana, TX
Kim Murphy answered:
how to find out who is legal owner of property?
The county courthouse holds all ownership records.
0 votes Share Flag Mon Jul 2, 2012 Home Buying in Hanford
Christopher…, Real Estate Pro in Westchester, NY
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
Robin Boyer, Real Estate Pro in Hanford, CA
Robin Boyer answered:
I have a credit score of 580 with all my debts paid off, except small credit cards (3) that I owe maybe $50 and tryinig to make payments on to
I have many clients that work with their loan officer to improve their scores. Sometimes paying off one credit card does not improve the score as much as paying down two. A good loan ... more
0 votes Share Flag Thu Dec 1, 2011 Home Buying in Hanford
Robin Boyer, Real Estate Pro in Hanford, CA
Robin Boyer answered:
My credit score is a 630 and I have a big down payment. I recently graduated school and have been employed for 2 months. Before that I worked in the
Your work history and schooling will be taken into account. But you should really talk to a loan officer and get prequalified. It will save you time and gives you a better idea of wha ... more
0 votes Share Flag Thu Dec 1, 2011 Home Buying in Hanford
Robin Boyer, Real Estate Pro in Hanford, CA
Robin Boyer answered:
I was about to put in an offer for the second time on a foreclosure. There have been some trust issues with
When purchasing a home it is important to work with someone you have confidence in. It is after all one of the largest purchases you will be making.
I recommend several things.
First ... more
0 votes Share Flag Thu Dec 1, 2011 Home Buying in Hanford
Robin Boyer, Real Estate Pro in Hanford, CA
Robin Boyer answered:
In trying to bring up my FICO score I paid all my creditors off. A mortgage company where I live told me that
Honestly paying off debt is never a "bad thing to do". But sometimes it can negatively affect your FICO scores. Perhaps that is what the mortgage company was worried about. ... more
0 votes Share Flag Thu Dec 1, 2011 Home Buying in Hanford
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
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