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A few minutes ago
Nancy Bergman answered:
It all depends on your down payments, points, etc. Anything above a 620 a lender can work with.
I can put you in touch with a few local lenders here in Rancho Penasquitos. I am in the Rancho Penasquitos - San Diego 92129 area as well.
Nancy


Nancy S Bergman
Realtor - Cal BRE #01893550
Windermere Homes and Estates - Rancho Bernardo
... more
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A few minutes ago
Nancy Bergman answered:
There are lots of neighborhoods that could meet your wants/needs.
How much are you willing to spend?
Ocean views can cost you more, mountain views are a bit easier. I would recommend any beach community such as Carlsbad, Encitinas, Del Mar if you want to be right on the coast.
La Mesa / Mt Helix, Poway, Escondido if you want rural, mountain views, etc.
I would love to assist your search.
You can contact me anytime for suggestions.
Nancy


Nancy S Bergman
Realtor - Cal BRE #01893550
Windermere Homes and Estates - Rancho Bernardo
... more
0 votes 3 answers Share Flag
A few minutes ago
Alan May answered:
A few hours ago
Elder_gene answered:
Mine will be open mid June - 1421 Curtiss Ct. Fort Collins, CO 80526
0 votes 1 answer Share Flag
A few hours ago
Steelrzgirl86 asked:
my rental property (mortgage was paid off) went up for Sheriff Sale (taxes) & was sold on Aug 12, 2014. Credit score is currently 740 ,employed,we have down payment for USDA/FHA loan for…
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A few hours ago
Eric W Vander Werff answered:
Depending on your situation, it could be faster than that. I have helped hundreds of folks who started out with less than perfect credit and eventually purchased a home. We lend in all 50 states and I'd be happy to discuss your specific situation if you would like. Small world, my first home was off 72nd by the Elmers breakfast joint there. I'm told there is a Bass Pro shops near now and I can't wait to come back and visit. ... more
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A few hours ago
Ann Vander Wyst asked:
A few hours ago
Rayrobertsjr asked:
I make 6 figures a year... ran into some very random credit issues... have one wrong* missed credit payment currently being disputed. I am a 610 but am about to pay down my revolving credit…
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A few hours ago
Helen Larson asked:
A few hours ago
RikkiIsland asked:
We are currently living on Long Island. We're open to CT, NJ, or PA. Good schools and safe neighborhoods are a must. Trying to stay under $350,000 for a 4 bedroom house. We're…
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A few hours ago
Bobswims asked:
We were approached by someone who wants to buy our house. It is not listed. However, I mentioned to a friend that we planned on moving in a year. While we plan on putting it on the market…
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A few hours ago
Kmfaust asked:
A few hours ago
Space Spots LLC answered:
Wow I have spent three days now trying to remove my listing people get pissed when they call and I have to explain I listed it on Zillow and removed it from zillow but it still appears on Trulia ... more
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A few hours ago
Brian Martucci answered:
Down payment and closing costs to purchase a new home can certainly come from the sale of your current home but you're going to have to find a seller willing to accept a contingent offer, and most sellers in your marketplace will not be willing to do that.

There's really no such thing as a bridge loan anymore, you could see if you can get an equity line on your current home. But then you would need to qualify for a lot of debt; your current mortgage, a new home equity line, and the new mortgage. Most people cannot do that.

So the best advice is going to be to sell your current home first, and then you'll likely have to find temporary housing to live in while you find your new home. Then you won't be contingent, and all of your cash will be liquid. As painful as that will be, it's really going to be the cleanest, cheapest and easiest way to do the next purchase.
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A few hours ago
Apolloniafelix2 asked:
A few hours ago
Kathy Burgreen answered:
First your credit scores are low - average. Good credit scores would be 650+ from all 3 credit bureaus. Lenders have their own method for pulling credit which is not available to consumers.

In response to your reply below, the lowest down payment is typically 3 - 3.5%. There are 2 loan programs available with 0% down payment if you qualify:
VA loans for active and honorably discharged veterans
USDA loans for rural properties and buyers must meet income requirements.

If you don't qualify for the VA or USDA loans and you don't have 3% for a down payment, then you need to continue renting and wait until you have enough cash for a down payment + cash to pay closing costs.

Don't make buying a home an emergency. Wait until you are financially able to afford a home. There are other expenses - property taxes, maintenance, insurance, etc. Also beware if you have less than 20% for a down payment, you will be required to pay mortgage insurance which is added to your monthly loan payment.
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A few hours ago
Janice Howard asked:
I have my house listed for $195,900 under sale by owner. When I bring up this site, there are only three houses (not mine) that are showing in my zip code. I know there's more than…
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