Home Buying in 92821 : Questions & Answers

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Todd Foust, Real Estate Pro in Orange County, CA
Todd Foust answered:
Should you negotiate builder incentives/credits before or after selecting them at the design center?
Go look at them at the design center and them negotiate before you agree to the deal. You'll need a frame of reference though so if you're not familiar with construction/upgrade costs y ... more
0 votes Share Flag Wed Jan 8, 2014 Home Buying in 92821
Todd Foust, Real Estate Pro in Orange County, CA
Todd Foust answered:
How to negotiate a purchase contract without an agent?
Its not too late. Your agent can and probably still can help you, they just aren't entitled t a commission for their work. You could perhaps work something out with them to compensate t ... more
0 votes Share Flag Thu Mar 28, 2013 Home Buying in Brea
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
What should I be aware of regarding (free) builder incentives?
Hi jdubc,

"I am going to purchase a new home and the builder is giving me $5000 to apply for upgrades/options. They aren't requiring us to go through their preferred lender, it's our ... more
0 votes Share Flag Wed Mar 27, 2013 Home Buying in 92821
Ingrid Ski 9…, Real Estate Pro in Irvine, CA
Ingrid Ski 949-874-0432 answered:
Are there any manufactured homes that are not in a mobile park. I live in Pahrump, Nv. I have a manufactured home and it's not in a park.
Hi there,
I know there is a complex in placentia. I don't remember about the association or not. Otherwise it would be outside of Orange County for something like you want. ... more
0 votes Share Flag Sat Apr 27, 2013 Home Buying in Brea
Lori Hanson, Real Estate Pro in 92656
Lori Hanson answered:
My lender is holding up my loan for proof of a divorce for a marriage that ended 25 years ago. Can they deny me because I cannot produce this?
if they are saying it is a condition of the loan then I guess they can do it. Consult another lender to see if they can get your loan done. Good luck.
0 votes Share Flag Thu Feb 21, 2013 Home Buying in Brea
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
DUE DATE MOVED BY BANK THAT BOUGHT OUT OUR MORTGAGE CAN THEY DO THAT ?
I have to doubt that there is an agreed date in your loan documents you agreed to, only that it is due each month. Read your documents to see if there is a set date. If not the bank can ... more
0 votes Share Flag Mon Feb 4, 2013 Home Buying in Brea
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller Gravelle answered:
DTI calculation
Restricted stocks cannot be counted as income.
In fact, restricted stock cannot be counted as reserves.

Because there is no ability to sell the stock, it is not considered liquid.
... more
0 votes Share Flag Thu Feb 14, 2013 Home Buying in Brea
Connie Bramb…, Real Estate Pro in Orange County, CA
Connie Bramble 714-337-8718 answered:
Getting appraisal fees refunded after loan is close/funded
No this is not right. Your loan agent can get you back your money, you need to be persistant with her. Do you have anything in writing that says the lender is paying the fees? If so ... more
0 votes Share Flag Fri Feb 15, 2013 Home Buying in Brea
Alain Picard, Real Estate Pro in Puyallup, WA
Alain Picard answered:
I became unemplyed after being pre approved for a loan and putting an offer on a house?!?!?
This will affect your pre approval because your household income has changed and also your debt to income ratio. If your husband has enough income to still qualify for the home then you ... more
0 votes Share Flag Sun May 17, 2015 Home Buying in Brea
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
im closing in 7 days and my credit score just dropped 80 points will they check my credit again before close and deny my loan
Why did it drop 80?
Did you buy something BIG?
0 votes Share Flag Fri Dec 28, 2012 Home Buying in Brea
Thom Colby 8…, Real Estate Pro in Irvine, CA
Thom Colby 888-391-5245 answered:
Buyers...how do you feel about listings that remain ACTIVE even when multiple offers have been received? Here is your chance..
If offers have been "RECEIVED" the property should remain in ACTIVE Status. Howwver, If an offer has been ACCEPTED by the seller, it should be changed to "Back-up", "Contingent" or "Pe ... more
0 votes Share Flag Thu Jul 12, 2012 Home Buying in Brea
Thom Colby 8…, Real Estate Pro in Irvine, CA
Thom Colby 888-391-5245 answered:
Underwriter denies loan days before closing what can i do??????????????????????????????/
They need to tell you in writing EXACTLY what has changed and why they want to charge you more %. Is this a national lender such as one of the big banks or is it a Mortgage Broker, etc ... more
0 votes Share Flag Tue Nov 18, 2014 Home Buying in Brea
The Coastal…, Real Estate Pro in Orange County, CA
The Coastal Team answered:
AFFORDABLE HOUSING, FAMILY FRIENDLY, GREAT SCHOOLS
I would look at Whittier CA =) Search set up for you below ...

http://www.cballiancerealestate.com/idx/city/whittier-/?idx-q-BathsMin=2&idx-q-BedsMin=3&idx-q-PriceMax=350000& ... more
0 votes Share Flag Mon Mar 12, 2012 Home Buying in Brea
Aaron Zapata, Real Estate Pro in Orange County, CA
Aaron Zapata answered:
What is the best advise if I want to buy a new home. It is not built yet but a prequal app needs to be filled out to be on priority list.
I'd encourage you to fill out the app. They want to make sure you are serious. You don't have to use their lender in the end but I have found that they do offer very competiti ... more
0 votes Share Flag Wed Oct 24, 2012 Home Buying in Brea
Walter 'Skip'…, Real Estate Pro in 92870
Walter 'Skip' Kersten answered:
What is the best way to get an offer accepted withoug going thru the REO agents lender?
Hi Mike,
Unfortunately, your clients may have to cross approve with their lender. Then, write the cleanest offer possible including shortest escrow and shortest contingency times.
Go ... more
0 votes Share Flag Wed Oct 24, 2012 Home Buying in Brea
Walter 'Skip'…, Real Estate Pro in 92870
Walter 'Skip' Kersten answered:
Do I need to pay for an appraisal on a new construction I didn't request.?
It is your lender, not the builder, that requires the appraisal. All home mortgages require an appraisal and is paid for by the buyer.

Good luck,
0 votes Share Flag Tue Dec 20, 2011 Home Buying in 92821
Melissa Krch…, Real Estate Pro in Rancho Cucamonga, CA
Melissa Krchnak answered:
Is a contract for deed a good way to buy/sell a house?
I'm not sure what you're asking. A Deed in Lieu is when the person simply gives the home back to the bank and they avoid foreclosure. Can you reply so that I can give you more ... more
0 votes Share Flag Mon Nov 17, 2014 Home Buying in 92821
Joan Braunsc…, Real Estate Pro in Morris County, NJ
Joan Braunschweiger answered:
I bought a home 40 years ago from people that di 2 unpermitted-unrecorded room additions, and today today the city says we can't live in those
40 years?!

I would say that only the town can answer your questions. I would hope there would be some leniency considering the amount of time that has passed. Remember, the big i ... more
0 votes Share Flag Tue Dec 21, 2010 Home Buying in Brea
Scott Miller, Real Estate Pro in 33432
Scott Miller answered:
Can a seller in California force the buyer to purchase a home? Buyer has not yet signed off on contingencies and wants to exit the deal.
Hi Andrew. Two things. I'm not an attorney and I'm not giving you legal advice. BUT...you really need to be using an attorney in any and all real estate transactions to rep ... more
0 votes Share Flag Sat Feb 19, 2011 Home Buying in 92821
Connie Bramb…, Real Estate Pro in Orange County, CA
Connie Bramble 714-337-8718 answered:
Hello, my wife and I are looking for a mobile home to buy or a single family home with a lease to own where the owner is willing to carry the papers.
Hi Dominic,
Why do you want something that the owner is willing to carry? Are you self employed and write most of your income off or something? $1600 a month will get you a $250K con ... more
0 votes Share Flag Sat Jul 24, 2010 Home Buying in Brea
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