Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

All Locations : Nationwide Real Estate Advice

  • All695K
  • Local Info59K
  • Home Buying255K
  • Home Selling42K
  • Market Conditions26K

Activity 480,245
A few minutes ago
Sheryl Arndt answered:
Yes 20% down hard money lenders are available now. You may qualify for better rates and terms with other financing so the hard money is a last resort.

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.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/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 4 answers Share Flag
A few minutes ago
Ivy Fussell-raymond answered:
Try a FHA loan. They deal with less than ideal credit scores with a small down payment. Do some research on it. Hopefully you get to own soon.
0 votes 1 answer Share Flag
A few minutes ago
Tinthelight67 answered:
We are interested in a house that's listed 260,000 however the same neighborhood appox same square foot and extra additions pool and garage are went for at 228,000 within last year and house has been on market since 2015 , they are wanting to keep all high end appliances take curtains & rods , she'd and kayak pool and cabinets rget out of garage is it a insult to offer 230,00? ... more
0 votes 95 answers Share Flag
A few minutes ago
Sheryl Arndt answered:
Hello Hm50420, if you were to buy your brother out you would need to qualify for a mortgage or sell. How much are you currently paying in rent and what is the maximum payment you are looking to achieve in Pacifica? The rentals in Pacifica start from $2,900 for 2bd 1ba 930sf single family home.

The purchase in Pacifica start from 546k for 2bd 1ba 880sf single family home. You can get more square footage with a condo from 615k for 2bd 1.5ba 1,150sf. The payment will be determined by your credit scores, profile, etc.

You need to know what your qualifications are to put together a game plan. 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.

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/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 hours ago
Dusty Linville answered:
There is not public transportation in Rusk.
0 votes 1 answer Share Flag
A few hours ago
Sheryl Arndt answered:
Hello Linda, they are one in the same. If it is built prior to June 14, 1976 it is very hard to find financing or if it is single wide. Also the financing is harder if it is in a park with space rent. If it is on its own land and has not been moved it may be able to be financed.

Are you looking for a place to buy? Do you have down payment and closing costs saved or do you need down payment and closing costs assistance? You may qualify to buy with minimum out of pocket expenses with down payment and closing cost assistance programs.

The purchase in College/Glen start from 299k for 5bd 3ba single family home. The mobile homes start from 25k for an all cash single wide built in 1970 mobile home in a park with space rent as well.

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.

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 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/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 2 answers Share Flag
A few hours ago
Nvonebbe asked:
A few hours ago
Sheryl Arndt answered:
Hello Milton, I am afraid your question is incomplete. Are you moving out of a rental and looking for another rental or a purchase? If you need general tenant, landlord lease questions you may call the Inland Mediation Board in Ontario or Los Angeles. They are a free legal advice service.

The rentals in Chino start from $1,350 for 2bd 2ba apt. The purchase in Chino start from 269k for 2bd 1ba condo which you may qualify to buy with minimum out of pocket expenses with down payment and closing cost assistance programs.

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 and pay less than rent.

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.

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.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/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 hours ago
Bob asked:
A few hours ago
Pattykolo888 asked:
Is her money in that account viewed as my money as well since my name is on the account?
0 votes 0 Answers Share Flag
A few hours ago
Sheryl Arndt answered:
Hello Ifad90, that has many variations by materials and upgrades, etc. per square foot. Most likely you are looking about $300 sf give or take.

You need to first speak with a loan officer to know your purchasing power and options you have available to you. Once you know your qualifications it will narrow down your choices.

Which zip codes are you considering? Do you have cash to work with to purchase the land outright or for down payment and closing costs or large down payment for a new build? Are you a Veteran? What is the maximum payment your comfortable with for a monthly mortgage?

The purchase in Oxnard start from 285k for 2bd 1ba 832sf bungalow, from 298k for 3bd 2ba 999sf single family home, from 369k for 4bd 2ba 1,260sf single family home. The newer builds are built 2006-2007 and start from 769k for 3bd 2.5ba 2,619sf single family home in Oxnard 93035 zip code with a slip.

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.

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.

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.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/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 hours ago
Jacquelinetorres96 asked:
A few hours ago
lgauche asked:
A few hours ago
lgauche asked:
1 2 3 4 5 6 7 ...
Search Advice
Search