Hello Emma, These links may assist you with crime statistics:
Are you looking for rentals or purchase listings? 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.
The rentals in San Rafael start from $2,150 for 1bd 1ba apt at the Marin Gardens Apts. The purchase in San Rafael start from 259k for 2bd 1ba condo, from 299k for 3bd 2ba condo and up.
You may qualify to buy with less than first, last and security deposit of any rental with down payment and closing cost assistance programs. How much are you paying in rent and what is the maximum payment you are looking to achieve?
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 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 San Rafael or San Francisco.
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
Credit Repair Advice At No Cost
ALL Loan Programs Available
24+ Years Experience