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Alhambra : Real Estate Advice

  • All61
  • Local Info3
  • Home Buying24
  • Home Selling5
  • Market Conditions2

Activity 74
Thu Jun 22, 2017
Rich Reed answered:
Hi, Susan, even inexpensive furniture can be used to stage a home nicely. Some even use moving boxes placed in the shape of a bed and covered with nice bedding and it looks great!
I am a local Realtor, contact me through my profile if you would like a consultation. Thanks! ... more
0 votes 1 answer Share Flag
Sun Mar 12, 2017
answered:
Hello Taurus, yes absolutely! If you don't have down payment and closing costs you should use a down payment and closing cost assistance program. You may qualify to buy with minimal out of pocket expenses with down payment and closing cost assistance programs.

The purchase in Alhambra start from 368k for 2bd 2.5ba condo and the single family homes start from 499k for 2bd 1ba home. The purchase in San Gabriel start from 419k for 2bd 2.5ba condo and the single family homes stargt from 420k for 2bd 1ba home.

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.

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 4 answers Share Flag
Sat Mar 11, 2017
answered:
Hello Taurus, if you don't have down payment and closing costs you should use a down payment and closing cost assistance program. The purchase in Alhambra start from 368k for 2bd 2.5ba condo and the single family homes start from 499k for 2bd 1ba home.

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.

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 2 answers Share Flag
Wed Mar 8, 2017
801housebuyer answered:
The complete list of fees:

mortgagee premium 878.00
endorsement 250.00
deed recording fee 50.00
mortgage recording fee 250.00
sub escrow fee 62.50
messenger fee 75.00
e-recording fee 10.00
mortgagee premium 2nd 150.00
settlement agent fee $2114
notary 300.00

these are my share, does not include sellers end. agreement was worded that we each handle our own, as customary. Thanks
... more
0 votes 1 answer Share Flag
Thu Feb 9, 2017
Bmartproperties asked:
Sat Oct 29, 2016
Rich Reed answered:
Yes, you do! Most solar companies file a UCC-1 and continue to own the equipment even after foreclosure. I would recommend having your own exclusive Realtor help you with this. If you are not currently working with a Realtor and would like help, you may contact me through my profile. We serve MP and the SGV. We speak Mandarin, Cantonese, English, and Spanish. Hope this helps! ... more
0 votes 1 answer Share Flag
Thu Sep 8, 2016
Susie Kay answered:
Everything is negotiable, some agents charge an upfront fee and some don't. If you are not comfortable with it, then I would suggest talking to your agent. After all, real estate is a relationship business. ... more
0 votes 4 answers Share Flag
Tue Aug 2, 2016
Angelica P answered:
Hi,

You can take advantage of our vast network of agents here:


http://www.trulia.com/directory/


We hope your experience with Trulia is memorable and thank you for using Trulia for all your real estate needs.


For future reference, you can feel free to contact us about this type of inquiry through our contact form here:

http://www.trulia.com/help/ask/


Thank you for using Trulia!

Angelica
Consumer Care Advocate
... more
1 vote 3 answers Share Flag
Wed Jul 20, 2016
Rich Reed answered:
The buyer (transferee) can cancel the offer as follows, CIVIL CODE
SECTION 1102.3, in part: "If any disclosure, or any material amendment of any disclosure, required to be made by this article, is delivered after the execution of an offer to purchase, the transferee shall have three days after delivery in person or five days after delivery by deposit in the mail, to terminate his or her offer by delivery of a written notice of termination to the transferor or the transferor's agent."
This right to cancel is also mirrored in the CAR RPA and applies whether or not there are remaining contingencies.
I am a real estate broker qualified to advise you on California real estate matters, not the law. If you desire legal advice, consult with an attorney.
If your agent doesn't know the answer, talk to their broker.
... more
2 votes 1 answer Share Flag
Wed Mar 23, 2016
Grundylaw answered:
I've been trying to figure this out myself for 2 weeks. I keep getting bombarded with inquiries for a rented apartment, and I can't find any way to delete the listing.
0 votes 1 answer Share Flag
Sun Mar 13, 2016
answered:
You may utilize a 203k loan and add onto your current home or buy another one. You will need to study where you want to move and then study listings. 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.

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 you can be emailed listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down. You may consider a 3%-5% grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid.

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 417k. You may qualify for as low as 5% down up to 1.5 million from a minimum 720 fico score.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and compare. Here are some links to study as well as web reference links to many loan program pages offered...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
23+ Years Experience
BRE# 01140252
NMLS# 297251
760-486-4225
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
http://youtu.be/MrygA2_8fAY
http://www.trulia.com/profile/SherylArndt
... more
0 votes 16 answers Share Flag
Sun Jul 12, 2015
Brian Martucci answered:
I think what you mean to say is that you had hazard insurance prior to this loan servicer that you paid on your own, and when your loan got sold to this new servicer, they require you to pay it in the mortgage as part of an escrow account.

I was not aware that anyone could force an escrow account on you after the fact, I would continue to call them and complain.

However, your payment has not going up, not really. When you were paying the insurance on your own you were paying $1200 a year, once a year. Now you are paying $1200 a year, once a month, in $100 increments. Your finances have not gotten worse, you are still paying the same amount every year in different pieces, that is all. It's really not the end of the world if it has to stay this way.
... more
0 votes 3 answers Share Flag
Mon Jun 22, 2015
answered:
I think that if it is central air you are probably fine, if you had a wall heater I would say to do something. Of course it needs to be operable.
0 votes 2 answers Share Flag
Wed May 27, 2015
Alex Montelongo Real Estate Group answered:
Hmmm. That is something that you should have noticed in your initial walkthrough and discussed right away. You can still ask the landlord. All they can say is either yes or no. I don't think that the landlord is obligated to provide one though.

Best of luck,

Alex Montelongo/Broker
Coldwell Banker Star Realty
562-810-7387 Cell
BRE Lic #01456982
... more
0 votes 5 answers Share Flag
Wed May 27, 2015
Alex Montelongo Real Estate Group answered:
I don't think that there is any way around being a board member of a Real Estate Assoc. these days. The fees are minimal $800-$1000 depending. When you are selling real estate on a regular basis, it is a drop in the bucket. Who knows, maybe at some point Real Estate will become your primary job.

Good luck,

Alex Montelongo/Broker
Coldwell Banker Star Realty
562-810-7387 Cell
BRE Lic #01456982
... more
0 votes 8 answers Share Flag
Wed May 27, 2015
Alex Montelongo Real Estate Group answered:
Trulia does get the majority of their listings from direct feeds from multiple MLS's across the nation. However, homeowners can also list their properties for sale on Trulia. There are some individuals that list properties for sale or rent that do not have the authorization of the actual homeowner. Your best defense is to work directly with a Reputable Agent or Broker in the area that you are interested in. Don't do it on your own.

All the best,

Alex Montelongo/Broker
Coldwell Banker Star Realty
562-810-7387 Cell
BRE Lic #01456982
... more
0 votes 7 answers Share Flag
Wed May 27, 2015
Alex Montelongo Real Estate Group answered:
It would be best if you could store those items out of sight for potential buyers. But as stated below by my colleagues... Just do your best to make the home look appealing to potential buyers.

Alex Montelongo/Broker
Coldwell Banker Star Realty
562-810-7387 Cell
BRE Lic #01456982
... more
0 votes 3 answers Share Flag
Wed May 27, 2015
Alex Montelongo Real Estate Group answered:
Try calling Trulias Customer Service. MAybe they an help you track it down.

Trulia.com Customer Service

1-888-565-3652 (Work)

Alex Montelongo/Broker
Coldwell Banker Star Realty
562-810-7387 Cell
BRE Lic #01456982
... more
0 votes 1 answer Share Flag
Tue May 12, 2015
Aidah asked:
Thu Apr 23, 2015
answered:
The California Financial Code is what has control over escrow if you want to look in there to find you answer. But other then that no one here can give you legal advice unless they are an attorney.

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
... more
0 votes 1 answer Share Flag
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