Imperial : Questions & Answers

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Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
can i buy a house after a short sale 1 year after score 700 now?
UPDATE: You may now qualify 1 year from a BK, foreclosure, short sale or deed in lieu of special circumstances due to the economy loss of a job, etc. It only takes a few dozen questions ... more
0 votes Share Flag Sat Aug 24, 2013 Home Buying in 92251
Martha Vega, Real Estate Pro in West Henrietta, NY
Martha Vega answered:
i want to buy a house my credit is 750, but i file banckrupcy, about 4 years ago,60,000 income for year job 6 to 8 months every year, can y
After the discharge of your bankrupcy you must wait 2 years for an FHA mortgage, and 4 years for a Conventional.
0 votes Share Flag Sun Aug 4, 2013 Home Buying in Imperial
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski answered:
I make 42k a year and have $750 payment a month from car and student loans. do i approve for a home?
That would qualify you for about a $1,000/mo house payment. Anyway you could sell the car? That would help allow you to qualify for more.
0 votes Share Flag Mon Mar 25, 2013 Home Buying in Imperial
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski answered:
My husband and I would like to buy a home in Imperial,Ca. We would like to use either a Calvet loan or Va. We have properties in mind. Gloria
I would recommend a VA loan over a Calvet right now because VA interest rates are much lower. Feel free to contact me and I can assist you.
0 votes Share Flag Mon Mar 25, 2013 Home Buying in 92251
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski answered:
my husban has a 720 credit score.can he qualify for a loan?
That is an excellent credit score. Next step would be to get more information on current job and salary.
0 votes Share Flag Mon Mar 25, 2013 Home Buying in Imperial
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
I have a 600 credit score. Can I qualify for a USDA loan?
No you will need a minimum 640 fico score to qualify for USDA Rural. I specialize in Under 640 Fico Score Loans and offer credit repair at no cost to raise fico scores to qualify for pr ... more
0 votes Share Flag Sun Mar 24, 2013 Home Buying in Imperial
Amy Volmer, Real Estate Pro in Imperial, CA
Amy Volmer answered:
What is a better deal? Buying a home w/15000 dwn, clo costs of 5000, cheaper home or more expensive home, no closing costs, $15000 down
It depends on your preference really. I sell new and resale homes and I'm surprised to hear a new home with not paying buyer closing costs?? Builders almost always assist or pay all o ... more
0 votes Share Flag Sat Nov 24, 2012 Home Buying in 92251
Rose Land &…, Real Estate Pro in East Lansing, MI
Rose Land & Finance Corp. answered:
How do I buy a home with bad credit with a high income in California?
Vicki,

It is possible to buy a home with bad credit - if you have a high income and have started to somewhat get your credit back on track and your debt is not too high, there are fi ... more
0 votes Share Flag Tue Jun 5, 2012 Credit Score in Imperial
Tom Bohlmann, Real Estate Pro in Wake Forest, NC
Tom Bohlmann answered:
I purchased a home about a year ago. I want to invest in real estate. How can ago about purchasing a property and then renting it out.?
Just like any other propety. Contact a Realtor.

Now the other question is do you need a loan or are you paying Cash.

Several of the larger banks do investment property loans. Aga ... more
0 votes Share Flag Wed Apr 18, 2012 Investment Properties in Imperial
Rob Spinosa, Real Estate Pro in Mill Valley, CA
Rob Spinosa answered:
i'am looking for a rent to own home on imperial ca 92251 zip code i can pay up to 1400 a month
Win1978,

This property (link below) is eligible for a Homepath loan. I just did the math for you and you could own a 4/2 in this zip code with a total monthly housing payment of $10 ... more
0 votes Share Flag Wed May 18, 2011 Home Buying in 92251
Linda Arroyo, Real Estate Pro in Imperial, CA
Linda Arroyo answered:
I own the 9.4 acre lot with an older 5br 2 ba home at 670 W. Belford Rd. Imperial. What is the estimated worth of this property on the market today?
Hi rick, the comments above from the other realtors is correct this is a special property and would definitley need to be look at before a value is given. I am from the Imperial valley ... more
0 votes Share Flag Fri Mar 4, 2011 Market Conditions in 92251
LUXURY HOME…, Real Estate Pro in El Segundo, CA
LUXURY HOME LOANS CA answered:
I just purchase a vehicle on 09-06-10. How much do I have to wait for my credit to be run to purchase a house?
Maria,

You did this back wards. House first , then the car.

Moving on. If you have excellent credit this will be minor. A Loan Officer can run your credit and request what is nec ... more
0 votes Share Flag Tue Sep 14, 2010 Home Buying in Imperial
Frederic Din, Real Estate Pro in El Centro, CA
Frederic Din answered:
My credit was run at Toyota Dealer to trade in my vehicle on Sept 06, 2010. Can I purchase a house or have to wait?
HI Maria, thank you for posting your questions on http://trulia.com

Your question is not a matter of "having to wait or not", it has to do with your overall credit and mort ... more
0 votes Share Flag Mon Sep 13, 2010 Home Buying in Imperial
Sonya Kamer, Other/Just Looking in Imperial, MO
Sonya Kamer asked:
Looking to rent a mobile home in the Jefferson County area, preferably Imperial or Barnhart, are there any? Sorry that is Jefferson County, Mo..preferably for under 600
0 votes Share Flag Sun Jan 18, 2009 For Rent in Imperial
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