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A moment ago
Madlyn Ferro answered:
A moment ago
Sheryl Arndt answered:
Hello writemonika, you did not say how many bedrooms and the maximum payment you are looking to achieve? The single family homes start from $2,200 for 3bd 1.5ba home in Oakland. Lots of agents list their listing in various other options to get more exposure...

You should study RENT vs BUY options as you may qualify to buy and pay less than rent in many local cities. You may qualify to buy with minimum out of pocket expenses, less than first, last and security with down payment and closing cost assistance programs.

Beware of the many rental scams out there these days on all sites. The scams are on all of the rental listing sites except one that us agents/broker use such as mls, multiple listing service.

You should not give anyone any funds or personal information without confirming with a licensed agent/broker or management company to find out whom you should be dealing with and the status of any address of interest.

If you decide you want to buy you will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. You will need to gather some documentation for each applicant.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

If you are buying a primary residence you could consider a down payment assistance program such as CalHFA or Sapphire Grant which can cover your down payment and closing costs. You may close with minimal out of pocket expenses. You may consider the CalHFA from a minimum 640 fico score and the Sapphire Grant from a minimum 620 fico score up to 424k. The CHDAP down payment and closing cost program can go up to 600k in high balance areas like Oakland.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 424k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 424k.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Both rentals and purchase can be emailed to you to study and compare to consider...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA or CalVet loan specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
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A few minutes ago
Tweety_delmas asked:
A few minutes ago
Tweety_delmas asked:
I am looking for an agent who may deal with USDA Loans through the government. It is a great deal for the buyer because they get their money up front!
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A few minutes ago
Charles Farley asked:
Trump is planning to cut a lot of the useless high-paying jobs in the area, and also I believe he is working to get rid of the NAR-backed, unfair, mortgage interest deduction. With this…
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A few hours ago
Joyce Lebaron asked:
A few hours ago
Carmen answered:
Hi i have a city feps voucher 1482.20 look for a one or 2 bedroom apartment for me and my son and my husband please contact me asap my number 3472826152
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A few hours ago
W.g.martin3 answered:
Always negotiable but typical purchase is 3% but can scale down for big boy deals. On a lease to a credit tenant you're looking at first month rent + 3% total rent in initial term. A broker may choose to take his/her commission as roll up equity if the LL chooses, in which case the broker would share in the ability of the tenant to fulfill its obligations. Otherwise, on a straight cash commission deal, the broker either gets paid at close or at lease commencement. The brokers services are rendered by handling calls, marketing the property, and securing an end user for a parcel. The LL is responsible for due diligence and ultimately the performance of the property, not the broker. ... more
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A few hours ago
Rwamsher asked:
We are looking to buy a 5 bedroom house that is only rated for a 3 bedroom due too having a septic system rated for a 3 bedroom and want to hook up to city sewer. Its already hooked to city…
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A few hours ago
Zadaja asked:
It appears that I have two accounts set up on Trulia.com. One is set up utilizing zadaja@yahoo.com as the email address and the other is set up with zarifadickens1@gmail.com. The only…
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A few hours ago
Sandracarswellrealestate answered:
I actually just finished talking to someone from Property Pulse. He sent me a contract he wanted me to sign, and when I told him I wanted to let a lawyer look over it, he got belligerent. I am in the process of looking them up online, for other reviews. I am glad, now though, that I did not sign the contract, or give him my debit card number. ... more
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A few hours ago
Malcolm Lawson answered:
No, you can sell it as is. If someone tries buying it using a VA loan the VA may not allow it but most other loan programs should be ok with that.










My Blog http://yourmarylandrealestateagent.com/index.php/category/maryland-blog-post/ ... more
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A few hours ago
Malcolm Lawson answered:
Probably not. You will have to read your lease though. You may be obligated to continue paying the rent throughout the lease term weather you are living there or not. I have seen some leases that you have to continue paying until they get a new tenant in there. Have to read your lease.







My blog http://yourmarylandrealestateagent.com/index.php/category/maryland-blog-post/
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A few hours ago
Valerie pittman answered:
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