93908 : Questions & Answers

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Michael Cheng, Real Estate Pro in San Jose, CA
Michael Cheng answered:
My husband and I have poor credit. We are looking at a house that costs about 300,000. Would any bank loan us money?
Unfortunately, it's your lack of downpayment that is a bigger constraint in this market. There are banks who can handle little credit to poor credit, but without a significant downpaym ... more
0 votes Share Flag Wed Mar 25, 2015 Home Buying in Salinas
Luis Cano, Real Estate Pro in Monterey, CA
Luis Cano answered:
I'm a first time homebuyer that needs help?
Here it is, Keith Collins. Office: 916-253-7820 Cell: 916-759-7354 email: kcollins@alpinemc.com web: www.alpinemc.com/Keithcollins best loan officer I have ever used. He has been doing ... more
0 votes Share Flag Wed Jan 30, 2013 Home Buying in Salinas
Ross V Ramsey, Real Estate Pro in Salinas, CA
Ross V Ramsey answered:
I am interested in finding out the actual current inventory of foreclosed homes in Zip Code 93901.
Hey Bill...there is not a "single" definitive source for answering your question. However, look at
owners.com and Monterey County for an idea...Thanks, ROSS
0 votes Share Flag Thu Dec 6, 2012 Home Buying in 93901
Kathy Ishika…, Real Estate Pro in 95003
Kathy Ishikawa answered:
how much money would you need to make in order to qualify for a $300,000 loan?
I can ballpark that you would need somewhere in the range of a $5000/mo gross income to qualify for a $300k mortgage. HOWEVER, there are too many variables that affect a loan to be abl ... more
0 votes Share Flag Tue Nov 20, 2012 Home Buying in Salinas
Johnny Quill…, Real Estate Pro in Salinas, CA
Johnny Quillopo answered:
Is salinas a nice place to retire?
Yes, there is small town feel with its rich history documented by John Steinbeck and minutes from the Monterey Bay.
0 votes Share Flag Wed May 22, 2013 Market Conditions in Salinas
Jesse Reyes, Real Estate Pro in Gilroy, CA
Jesse Reyes answered:
buying a home with section 8
Hi Julie,

I don't think you can buy a house when you are on section 8 but there is a voucher that helps you towards purchasing the house. I do know that once you purchase a home, you ... more
0 votes Share Flag Tue Nov 20, 2012 Home Buying in Salinas
Ross V Ramsey, Real Estate Pro in Salinas, CA
Ross V Ramsey answered:
Need advice on selling house from now to March 2013. Is home price is going up/down in Salinas?
Hello...while the school-year and election certainly have influence, anytime is a good time to be listing a home for sale in the Salinas area. Inventories of ACTIVE listings are current ... more
0 votes Share Flag Fri Mar 29, 2013 Home Selling in Salinas
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Is it possible to buy a home with only 5% down payment?
FHA doesn't have a limit on income, you can purchase with a FHA mortgage with 3.5% down or you can purchase with conventional with 5% down. There are a few more low down payment options ... more
0 votes Share Flag Tue Nov 20, 2012 Home Buying in Salinas
Jeanne Zolle…, Real Estate Pro in 60462
Jeanne Zoller-Mulville answered:
I can afford 1500 on mortgage, can somebody pls tell me how big and what would a house cost me with that amount of mortgage
are you factoring in the annual taxes and your annual homeowners insurance ino that amount? Or is that $1500.00 just the amount you are going to use for the home?...and you have extra ... more
0 votes Share Flag Tue Nov 20, 2012 Home Buying in Salinas
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
Owners not paying mortgage, can I get out of our lease?
neyney:

Your lease obligation between you and your Landlord is still valid, the fact they may not be paying their mortgage does not release from your contractual obligation. Also, yo ... more
0 votes Share Flag Tue Jul 3, 2012 Foreclosure in 93901
Monterey Pen…, Real Estate Pro in Pacific Grove, CA
Monterey Peninsula Home Team answered:
what do i need to bring to closing?
I would guess that you are asking what to bring to the signing? Here in CA we do not actually close escrow at the signing ike they do in many other areas of the US. All you need to br ... more
0 votes Share Flag Mon Jun 18, 2012 Home Buying in Salinas
Curt Abramson, Real Estate Pro in Santa Cruz County, CA
Curt Abramson answered:
what do i need to bring to closing?
That depends on whether you are buying or selling, and what other circumstances are involved. At a minimum, bring picture ID. If you are supposed to contribute funds, either a cashier's ... more
0 votes Share Flag Mon Jun 18, 2012 Home Buying in Salinas
Regina Shaw, Real Estate Pro in Monterey County, CA
Regina Shaw answered:
my husband has worked since03 with a work permit currently he has no legal status can we apply for house loan
Hello Azael,
Please contact Ivan Barriga his company does I-TIN loans for persons without SSN#.
ibarriga@myctcu.com
I hope this was helpful. Thanks,
0 votes Share Flag Thu May 17, 2012 Home Buying in Salinas
Susan Lubin-…, Real Estate Pro in Salinas, CA
Susan Lubin- Brownlie answered:
my husband has worked since03 with a work permit currently he has no legal status can we apply for house loan
I suggest that you call a lender in Salinas- Joseph Sanchez @ Prospect Mortgage -he will be able to answer this question for you. I am a Realtor in Salinas and unfortunately do know th ... more
0 votes Share Flag Fri Jan 25, 2013 Home Buying in Salinas
Teryl McGowan, Real Estate Pro in Queensbury, NY
Teryl McGowan answered:
How long do i have to wait after banrup to buy a home?
You need to speak with a mortgage counselor about your personal circumstances.
0 votes Share Flag Thu May 3, 2012 Home Buying in Salinas
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
Does anybody know what your minimum credit score needs to be in order to qualify for a FHA home loan from bank of America or any lender?
Jessica:

Here's a link indicating you may be able to buy with:

A 3.5% down payment if you have a min credit score of 580+.
A 10% down payment if you have a min credit sco ... more
0 votes Share Flag Sun Feb 12, 2012 Home Buying in Salinas
Margaret Has…, Real Estate Pro in 33618
Margaret Hassani answered:
A person is about to be forclosed and wants me to buy the house and he will provide the d.p. and cl.costs and make monthly pmt w/taxes, ins and mort?
That is not allowed by the banks. As to the legality, you will have to speak with a qualified attorney.
0 votes Share Flag Sun Nov 27, 2011 Home Buying in Salinas
Dan Tabit, Real Estate Pro in 98074
Dan Tabit answered:
i wanna rent a house but my credit score is 590 would i be able to ?
Mike,
Each landlord decides for themselves what they consider to be an acceptable credit rating. Many people are entering the rental market with short sales and foreclosures, so you ... more
0 votes Share Flag Thu Aug 15, 2013 Rentals in Salinas
Curt Abramson, Real Estate Pro in Santa Cruz County, CA
Curt Abramson answered:
A home on the market 3 days has "pending release", "pending show". It is a short sale requiring cash only buyer. What do these 2?
Honestly, it probably just means the seller has accepted an offer and now it's going to the bank for review and possible approval of the short sale. There doesn't seem to be a ... more
0 votes Share Flag Sat Jul 2, 2011 Home Selling in Salinas
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
I own 4 homes in 2 different states one of my homes is in forclosure. How will that impact my other properties after the home is forclosed on?
The bank that foreclsoes can always go after a judgement in on teh other home sif there is a balance owed after foreclsoure, you should ask your attorney how you can protect your other ... more
0 votes Share Flag Sun May 22, 2011 Foreclosure in Salinas
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