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Charles Butt…, Real Estate Pro in Saratoga, CA
Charles Butterfield answered:
Can I get a conventional loan with short credit history?
Thank you for your question Katie:

You have some very strong points such as your high 780 credit score and your 10 year employment history.

I recommend that you talk with Doug Jon ... more
0 votes Share Flag Thu Oct 31, 2013 Credit Score in San Jose
Ruth & P…, Real Estate Pro in 95030
Ruth & Perry Mistry asked:
Renters spend a very high portion of their income for rent. http://www.trulia.com/blog/perry_mistry/2013/02/renters_spend_thirty_percent_or_more_on_rent
0 votes Share Flag Sat Feb 23, 2013 Home Buying in San Jose
Steve Colvin, Real Estate Pro in Laguna Niguel, CA
Steve Colvin answered:
I have a credit score of 564. I own my house outright. It is worth 185. Can I get a loan by borrowing against my house/?
Hi Sandi,

I would recommend calling Pacific Home Loans 949-388-6349. Ask for Noah

Steve Colvin
Premier Ca Realty
0 votes Share Flag Sun Feb 24, 2013 Financing in 95130
Lowell Sterl…, Real Estate Pro in Dallas, TX
Lowell Sterling answered:
can i get a home improvement loan with score of 564? I own my home outright and it is assessed at 185
I do not know of a single lender that would do a home improvement loan with that FICO. Your best bet is to either get your scores to improve or see a hard money lender that will charge ... more
0 votes Share Flag Mon May 27, 2013 Financing in 95130
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
the contact person for this home says they live in Georgia and the phone number is a China #, renters beware....
That home closed escrow recently. Below is agent who represent the buyer:


Ralph Rodriguez
DRE: 01169616
Status:
Association: Santa Clara County Association of Realtors
... more
0 votes Share Flag Fri Jan 17, 2014 Rentals in Willow Glen
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
it seems criminal that all of these rental listings have been posted at rates that are not available in this area at all
You are correct. It is criminal. It is spammers and scammers doing it. Until the web "police" find a way to weed them out you are going to continue to see these types of offer attem ... more
0 votes Share Flag Sun Feb 24, 2013 Rentals in San Jose
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
HOA document fee for condo
Their package consist of several items and often times they price them differently.

There is the HOA CC&R's, By Laws, Rules and Regulations, Minutes, Newsletters, Budgets and Project ... more
0 votes Share Flag Sun Feb 24, 2013 Home Buying in 95138
Charles Butt…, Real Estate Pro in Saratoga, CA
Charles Butterfield answered:
Is zip code 95123 a good area to live or to buy?
Thank you for your question Ferdiewen:

I like the area. I have several clients who own homes in this area and they like it.

However I have found that the best way for you to tell ... more
0 votes Share Flag Sat Feb 23, 2013 Rentals in San Jose
Charles Butt…, Real Estate Pro in Saratoga, CA
Charles Butterfield answered:
any problem if staying under big electric poll house?
Thank you, Ranganath for your question:

I understand your question to be if there are problems living under electric power lines.

There have been claims that the electric field su ... more
0 votes Share Flag Fri May 24, 2013 In My Neighborhood in Almaden
John Juarez, Real Estate Pro in Newark, CA
John Juarez answered:
When a condo is purchased, who owns the land?
Great question, Laura.

The answer is “it depends”.

A condominium is a dwelling type where you own your respective unit (usually from the drywall/plaster inward), and y ... more
0 votes Share Flag Thu Feb 21, 2013 Market Conditions in Edenvale
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
wanted to buy a single family home in a good district area ,can you please tell me the area codes that i should be looking at.
What is your price range? What do you consider a "good district"? What are your needs?

Would you like to schedule a free, no obligation consultation to learn about buying a home ... more
0 votes Share Flag Sat Feb 23, 2013 Home Buying in Evergreen
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
Is the 3157 Corby Drive address for $1435 a legit rental?
I could not find a house on the tax records in Santa Clara county with that address.

go to www.RentOMeter.com and it will help you weed through the false pricing.

Have an amazing ... more
0 votes Share Flag Sun Mar 17, 2013 Rentals in San Jose
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
HELOC qualification possible if I had switch jobs in the same industry and pretty much the same position and with only 3 weeks gap in employment?
Hi Sage Bear, as long as it's in the same industry then all lenders should be OK with this. A 3-week gap in employment isn't that big of a deal. We routinely help people with 1-2 mont ... more
0 votes Share Flag Wed Feb 20, 2013 Financing in San Jose
Elva Wormley, Real Estate Pro in San Jose, CA
Elva Wormley answered:
Can someone not on the title anymore be a co-signer on a HELOC for a property in good standing?
Hi Sage Bear,

Most banks and credit unions do not allow non-occupant co-borrowers on HELOC's. Credit unions tend to have more liberal underwriting guidelines for HELOC's, so I sugges ... more
0 votes Share Flag Wed Feb 20, 2013 Financing in San Jose
Charles Butt…, Real Estate Pro in Saratoga, CA
Charles Butterfield answered:
How difficult is it to rent a home with not-so-good credit?
The rental market in San Jose is extremely active. There are far more people who want to rent homes than there are homes to rent.

Landlords can be very selective.

You will proba ... more
0 votes Share Flag Wed Feb 20, 2013 Rental Basics in San Jose
Shanna Rogers, Real Estate Pro in Murrieta, CA
Shanna Rogers answered:
Does right now still a good time to buy? The inventory is low and the price is not based on CMA anymore. I kept losing the bid and what can I do now?
Hi ferdiween,

Don't give up! Now is a good time to buy because prices are starting to go up. If you wait, you may end up paying more. Just keep trying.

Shanna Rogers
SR Realty ... more
0 votes Share Flag Tue Jun 18, 2013 Market Conditions in Edenvale
Irene Jacobs…, Real Estate Pro in Santa Clara, CA
Irene Jacobson answered:
WHAT IS THE CURRECT OFFER FOR THIS PROPERTY?
Hello Ferdiewen,
This property is still 'active'. Any offers the agent or seller may have received are private. If you are interested in the property I would be happy to help you.
B ... more
0 votes Share Flag Tue Feb 19, 2013 Market Conditions in Edenvale
Charles Lee, Real Estate Pro in 90069
Charles Lee answered:
Cash-out refinance, more than 4 properties (5 total).
We can do with Private funds but our rate and terms are a bit higher.
http://www.theboydcapitalgroups.info/
0 votes Share Flag Fri Jan 31, 2014 Financing in San Jose
Bill Phillips, Real Estate Pro in San Jose, CA
Bill Phillips answered:
Buying 2nd house & want to refinance the first house. Would the refinance cause issue when apply for mortgage on the 2nd house?
Hi Albert,

It is unlikely that a refinance to a lower payment, with no cash out, would cause any problems with your new purchase. It should acually help you to qualify. In today's ... more
0 votes Share Flag Wed Feb 13, 2013 Financing in 95138
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