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All Locations : Nationwide Real Estate Advice

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  • Home Buying256K
  • Home Selling42K
  • Market Conditions26K

Activity 483,294
A few minutes ago
Glea James asked:
Greetings,

I keep getting prompts to verify my account and I've tried it 10 times. The screen just blips, clears the fields and looks as though it wants me to enter it again. I…
0 votes 0 Answers Share Flag
A few minutes ago
Sheryl Arndt answered:
Hello Julie, we have 12-24 month bank statement programs if you are self employed.

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
... more
0 votes 3 answers Share Flag
A few minutes ago
Sheryl Arndt answered:
Hello Harvey, we can do FHA if the complex is approved or conventional if not. 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.

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
... more
0 votes 1 answer Share Flag
A few minutes ago
Sheryl Arndt answered:
Hello Harvey, we can do FHA if the complex is approved or conventional if not. 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.

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
... more
0 votes 1 answer Share Flag
A few minutes ago
Ned Tompkins answered:
Lordy! It all depends where you are and what the contract states. The purchase agreement used in most of California stipulates that the seller has certain time frames to get disclosures, etc. to the buyer. The buyer has up to 17 days to do their due diligence, have any inspections deemed of interest, at the buyer's expense. Once you have satisfaction/agreement on all disclosures and disclosures, plus any additional items dealt with, you remove most contingencies & speed to closing. At any time prior to the end of the 17 day period, or fewer days if specified in the contract, any buyer may withdraw their offer without even stating a reason. Your agent, unless really green, should explain this to you. Ned Tompkins, Folsom, CA ... more
0 votes 137 answers Share Flag
A few minutes ago
ashlea fillingham asked:
A few hours ago
Parkerkarenn answered:
I used to live in Coosaw Creek on Wildwood Landing. Wonderful gated, golf course community, clubhouse boasts a resident Chef, and the community pool is nice. If I could pick up the neighborhood and move it to Mount Pleasant I would. I currently live in Dunes West for the past ten years.

The plus side is the regime is lower but the real kicker is property tax. My tax bill in Coosaw was triple the cost than Dunes West. Dunes West in Mount Pleasant has better amentities at a better price with a nicer surrounding area.

If you are truly looking at a golf course community consider Dunes West.
... more
0 votes 8 answers Share Flag
A few hours ago
Rebecca.rios2535 asked:
Received blank FIRPTA and SSD asking for my signature. I understand with an REO there is really nothing to disclose; however, I believe the disclosures should still be completed to the…
0 votes 0 Answers Share Flag
A few hours ago
Laura Hoover asked:
We are looking to relocate to the Poconos and found a home for rent in. A Pocono Country Place. After being approved I heard stories of crime and gang
0 votes 0 Answers Share Flag
A few hours ago
Angelica P answered:
Hi,

Please follow these instructions to remove a saved home from your list.

1. Hover your mouse over your screen name at the top right and click 'My Boards'.

2. Click the 'Saved Homes' tab. A list of your saved homes appears. Find the home you want to delete.

3. At the bottom right of the saved home, will see a bubble with 3 dots. Click this. A gray pop up will appear with the option to delete.

4. Click delete.




Thank you for using Trulia!

Angelica
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
A few hours ago
Mary answered:
Hi,

I have emailed you regarding this concern.


Thank you for using Trulia!

Mary
Consumer Care Advocate
0 votes 1 answer Share Flag
A few hours ago
Carrie asked:
We reached out to her for this year's event, but she seems to be no longer with the company. Do you know who we should work with for this year's event?
Thank you!

Carrie@thegogame.com
0 votes 0 Answers Share Flag
A few hours ago
Oliver Buys Homes answered:
There really isn't a right or wrong answer here. The monthly payment on the 10 year mortgage is about double that of the 30 but you will be paying more than that every month anyway since you want to pay it off in 2-3 years.

There is no real advantage for you in either way. I would probably do the 10 year mortgage to save a little money.
... more
0 votes 1 answer Share Flag
A few hours ago
Sheryl Arndt answered:
It depends on the bank but usually there are hits to the rate up to a 680 fico score. Do you have 3.5% down and closing costs or do you need down payment and closing cost assistance programs?

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.

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.

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.

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.

You may consider 5% down Jumbo with a minimum 720 fico score from 424k up to 1.5 million and 10% down from a minimum 680 fico score and up to 2.5 million. You will need 20% down to purchase over 2.5 million.

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.

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
... more
0 votes 14 answers Share Flag
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