92867 : Questions & Answers

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Lori Hanson, Real Estate Pro in 92656
Lori Hanson answered:
How long should short refinance stay on your credit report?
I have heard less like five years. It would be best to talk to a lender and just see what the say sbout being sble to purchade again and when.
0 votes Share Flag Wed May 29, 2013 Financing in Orange
Joe Homs, Real Estate Pro in Mission Viejo, CA
Joe Homs answered:
Need to sell deceased parents' home.
Your brothers friend was right. With a living trust everything is very simple. Have your sister list the home and handle the paperwork. Escrow will handle the transfer/sale from trust i ... more
0 votes Share Flag Thu Sep 5, 2013 Home Selling in Orange
Thierry Abel, Real Estate Pro in California
Thierry Abel answered:
Should I refinance and convert my FHA loan to conventional so I can get rid of MIP (PMI)?
You just need a minimum of 10% equity to refinance and get rid of your PMI.

Thierry

Thierry Abel
Senior Loan Consultant
All California Mortgage
A Division of APMC
P: (415) 46 ... more
0 votes Share Flag Mon Feb 17, 2014 Financing in Orange
tim moore, Real Estate Pro in Nags Head, NC
tim moore answered:
Switching Buyer Agents
If the listing agent and the agent you dealt with are in the same office then that is a Dual Agent situation and you get less representation than if you have your own Buyers Agent. I do ... more
0 votes Share Flag Sun Mar 10, 2013 Home Buying in Orange
Laura Coffey, Real Estate Pro in Valencia, CA
Laura Coffey answered:
i signed short sale house and i put 10000 dollar deposit against that house, finally bank deny my loan, but seller attorney tryin to keep 5000 dollar
The CAR purchase agreement clearly states time is of the essence. It is very important that you choose a Realtor to help you follow contract guidelines. When your lender does not approv ... more
0 votes Share Flag Sun Mar 10, 2013 Home Buying in Orange
Joe Homs, Real Estate Pro in Mission Viejo, CA
Joe Homs answered:
Tax result if I sell my home now? About $700,000., bought at $210,000. in 83.
Gipykrop,

You should probably check with your CPA, but if you are married each of you can deduct $250,000 in capital gains on the sale of a principal residence. Therefore with you an ... more
0 votes Share Flag Fri Jun 20, 2014 Home Selling in 92867
Lori Hanson, Real Estate Pro in 92656
Lori Hanson answered:
Moving out of state, want to buy a home in Austin(first time home) where do i apply for the loan here or Texas?
As long as you find a lender that is able to write a loan in Texas it really doen'st matter other than being familar with the rules of the state and any local requriements for the loan. ... more
0 votes Share Flag Sun Mar 10, 2013 Home Buying in 92869
Debra (Debbi…, Real Estate Pro in Livingston, NJ
Debra (Debbie) Rose answered:
Hi agents, if rent payment is the same or less than a mortgage payment of a similar property, what does this indicate for the market?
If he is a "numbers" person, then did he factor in the NET cost of owning versus renting?

Did he factor in any tax benefits (write offs ) for interest and property taxes?.........

... more
0 votes Share Flag Sat Feb 9, 2013 Home Buying in Orange
Elizabeth Bo…, Real Estate Pro in Cambridge, MA
Elizabeth Bolton answered:
A lead from Trulia recently contacted me regarding a listing agent asking for cash (up front and under the table) to guarantee she would get the home.
I heard of an agent offering money on the side to a listing agent to help ensure that the buyer got the property. The listing agent reported it to the manager. Turned out it wasn't aga ... more
0 votes Share Flag Sun Mar 10, 2013 Home Buying in 92869
Natalie Locke, Real Estate Pro in Orange County, CA
Natalie Locke answered:
Experienced Agents: What is your personal style during the inspection? Follow the inspector around the home asking questions? What is most helpful?
I prefer to have the buyer come for the last hour, so that the inspector isn't distracted. But, if I have a very hands-on buyer who wants to crawl in the attic with the inspector, ... more
0 votes Share Flag Mon Mar 11, 2013 Home Buying in 92869
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Anyone heard of a legit "Rent to Own a distressed property". I have a client asking about this but my initial thought is it has to be a scam.
The Banks are not in the Landlord business.
This should be a 100% guarantee of a SCAM.
Some people are more vulnerable than others; they will think they are making out on a rental, an ... more
0 votes Share Flag Sun Mar 10, 2013 Home Buying in 92869
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
Short Sale Cancellation.
Ev3522:

I would insist on a properly filled-out formal contingency removal via CAR form CR.

-Steve
0 votes Share Flag Sun Dec 2, 2012 Home Selling in 92867
Suzanne MacD…, Real Estate Pro in 07856
Suzanne MacDowell answered:
Declaring Bankrupt, Can we still buy?? My Husband is going to file for 'bankrupt'. Can he attempt to buy a home once his process is done?
He will not be able to buy a home for a period of time and, yes, you will need to take measures to rebuild your credit afterward. The time frame is different depending on whether you f ... more
0 votes Share Flag Sat Nov 17, 2012 Home Buying in Orange
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
New credit, but Want to buy!!'
Most mortgages require 2 years from the discharge to loan again. Yes he will need to rebuild credit. you could visit a local and trusted loan officer who can guide you with what he need ... more
0 votes Share Flag Sat Nov 17, 2012 Home Buying in Orange
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
90% owner occupied loan for purchase of a duplex in california
An owner occupied duplex can be purchased with FHA financing with 3.5% down. Fannie Mae caps out at 85% LTV, Freddie Mac caps out at 80% LTV.

Shane Milne | Lending in all 50 states ... more
0 votes Share Flag Mon Apr 15, 2013 Financing in Orange
Mahesh Mike…, Real Estate Pro in Anaheim Hills, CA
Mahesh Mike Patel answered:
i have cash for a doublewide but have bad credit can i get into park
Thanks for your question. When you say you have cash for a dwide.. are you saying that you will pay all cash for the home?
If so, You should not have a problem, you can always explain ... more
0 votes Share Flag Sat Mar 30, 2013 Home Buying in Orange
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller Gravelle answered:
do unpaid internships count as employment history?
Absolutely! I am assuming you were interning while going to school for same line of work. I would write a very strong letter to the underwriter showing that not only does your internsh ... more
0 votes Share Flag Sat Nov 17, 2012 Home Buying in Orange
Alison Hillm…, Other/Just Looking in San Francisco, CA
Alison Hillman answered:
Im looking for a realty agent in the <a class="inlineAdmedialink" href="#">orange</a> county area who will actually
Have you looked at our listings yet? Take a look at Find a Pro (top right corner) to see recommendations for agents in your area!

Good luck,
Ali, Community Manager
0 votes Share Flag Thu Sep 20, 2012 Rentals in Orange
Raquel Pasala, Real Estate Pro in Orange County, CA
Raquel Pasala answered:
Keep laminate, or replace with carpet now, or hardwood later?
Hardwood floors are durable and really warm up a room and home. I would certainly get pricing from several differently places and their are a lot of great deals out there for flooring. ... more
0 votes Share Flag Wed Jul 11, 2012 Remodel & Renovate in Orange
CPbronco, Home Buyer in Orange, CA
CPbronco answered:
Is the FHA funding fee considered a closing cost? If it is I would like to use the sellers credit to pay for it instead of adding it to the loan.
I forgot to add. In the same regard, is buying points considered part of the closing cost? My intention is to use as much as possible of the Sellers credit to closing costs.
0 votes Share Flag Mon Apr 15, 2013 Financing in Orange
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