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Home Buying in Fresno : Real Estate Advice

  • All405
  • Local Info27
  • Home Buying153
  • Home Selling23
  • Market Conditions7

Activity 197
Tue Sep 5, 2017
Jessica Bateman answered:
No. You can get approved for a conventional or FHA loan with that score. In fact, you can qualify for an FHA loan with just a 580 score. To find lenders that work with people with credit issues check out The Lenders Network. I've had a few clients get approved with them. ... more
0 votes 8 answers Share Flag
Tue Jun 27, 2017
Ron Thomas answered:
If you are trying to buy a house with a LOAN, you will need every bit of documentation that you can find;

The Lender, in particular, needs to know that you have a steady income and a good history of paying your bills: It gets harder when your HISTORY is not in the U.S. or when you get paid in CASH and do not have a paper-trail for savings and bill-paying.

Good luck and may God bless
... more
0 votes 2 answers Share Flag
Sat Jun 24, 2017
Randall Ortiz answered:
For California only, we work with ITIN loans. In order to get an ITIN loan, you will need at least 20% down, two years tax returns, 60 days bank statements, 30 days paystubs, ITIN documentation, drivers license and we will also run your credit. We only operate in California. ... more
0 votes 2 answers Share Flag
Sun Mar 26, 2017
Priscillaabrahams asked:
How far are hospitals from the property?
0 votes 0 Answers Share Flag
Sat Mar 25, 2017
Omar.erekat answered:
I am actually the same person posting the question. I just want to add that I am under escrow for this house. The title company found out that the house has two different street numbers in the county records. The seller said that they sorted this out with the county and changed the numbers on the hose to reflect the correct address. However, I recently discovered online listings for the same house under both of the street numbers (basically two different addresses). I am really worried at this point and the seller is giving me any further information especially that I removed the contingencies. Any ideas? should I be worried? should I just close the deals or should I get a real estate attorney? your help is greatly appreciated. ... more
1 vote 1 answer Share Flag
Wed Mar 8, 2017
Vanglydia9 asked:
Worried =( Loan officer seems to be taking his time, escrow officer keeps telling me they are waiting for the lender to review docs & conditions.
0 votes 0 Answers Share Flag
Fri Feb 17, 2017
James92468 answered:
I live in a Bonadelle neighborhood. All the roofs are leaking due to improper installation. I have over 30 years in the trades. I have successfully redesigned and rebuilt the roof around all the W valley flashing. Apparently they do not have a clue, common sense, and do pour water down the flashing to make sure it flows where it is supposed to. Instead they block the flow of this roof valley flashing by laying tiles directly on the flashing. This causes water that is trying to flow down the flashing to migrate laterally, which is a bad thing. The water hits these obstructions (tiles) and redirects onto the paper, tile bats, osb plywood, and into the eves, filling them with water, then it fills the walls of the house. This is evident by the massive leaks inside the house and the wet spots on the stucco coming from inside the wall. This problem would have been minimized if they ran the paper over the facia, used drip edge, and used the valley supports that elevate the tile 1/2' above the w valley flashing. This company is completely incompetent and should not be allowed to build picnic tables, let alone homes. The roof tiles are not even available in the states, they are ONLY AVAILABLE OVERSEAS. Want to replace some broken tiles? Good luck. I did find a place in San Jose that considers them vintage and has a few. I remember the old man back in the day and he had a good reputation. Then he allowed his kid to come in and run the show. He is a greedy bean counter that cares about a fraction of a cent more profit, and at the expense of the homeowner. The trusses over the garage arent even the right size and hang over the wall by 4 inches. Oh, they came out and added plywood and painted them and that is great. What about the load transfer from the freeze blocks to the top of the wall? Non existent. This company is a disgrace to the trades. ... more
0 votes 19 answers Share Flag
Sat Jan 28, 2017
answered:
Hello Arnold, what were the issues they had? Not all banks are the same as many have their own guidelines and overlays. There are many banks that would look at the file differently. Feel free to reach out and go over your file to put together a game plan. We are a brokerage that has 25 banks to all scenarios as well as your scenario...

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
Sun Jan 8, 2017
answered:
These links may assist you with crime statistics:
http://www.crimemapping.com
http://www.crimereports.com
http://www.everyblock.com/
http://www.localcrimenews.com
http://www.mylocalcrime.com
http://www.spotcrime.com/ca
http://www.meganslaw.ca.gov
http://www.neighborhoodscout.com/
http://www.homefair.com/
Theses links should have the answers to any questions you may have on schools:
http://www.greatschools.org/
http://Www.schoolfinder.ca.gov
http://Www.education.com
http://Www.schooldistrictfinder.com
http://Www.schooldigger.com
http://www.sarconline.org/

You will need to be pre-approved to be able to meet an agent to view and submit offers on homes of your choice. You will need to gather one month paystubs, two month bank statements, last two year tax returns including 1040s, 1099s, W2s and all schedules and copies of your drivers license or ID and social security cards 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 qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 417k. 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 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 417k.

You will need to be pre-approved to be able to meet an agent to view and submit offers on homes of your choice. You will need to gather one month paystubs, two month bank statements, last two year tax returns including 1040s, 1099s, W2s and all schedules and copies of your drivers license or ID and social security cards for each applicant.

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 & VA/CalVet Loan Specialist
REO & 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
Sun Jan 8, 2017
answered:
Hello Natanya, you should check with the local rental management companies.

The purchase in 93705 zip code of Fresno for 4bd 2ba single family home start from 125k and up. You may qualify to buy with minimal out of pocket expenses and pay less than rent.

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 documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040s, 1099s, W2s and all schedules, copies of drivers license/ID and social security card 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 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.

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 417k. 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.

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
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 1 answer Share Flag
Sat Nov 12, 2016
Arpad Racz answered:
Wed Oct 26, 2016
Mdosie1 answered:
Just curious if you went ahead and bought the MH in a park and then immediately moved it out without signing any land/lot lease and not paying any rent at all--without incident
0 votes 9 answers Share Flag
Thu Aug 18, 2016
Goodlot asked:
We're interested in a house but got a word that it's plumbing/pipes were lacking some code for which reason a recent sale offer did not go through, and hence, was recently taken…
0 votes 0 Answers Share Flag
Thu Jul 21, 2016
Menas.arisian asked:
0 votes 0 Answers Share Flag
Wed Jun 15, 2016
Sally Grenier answered:
That is why there is title insurance. Be sure you get extended coverage which would cover any unrecorded liens.
0 votes 1 answer Share Flag
Wed Jun 8, 2016
answered:
Hello Sia Xiong, those are your fico scores. You may consider FHA financing with those fico scores. 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% Sapphire Grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid.

You will need to be pre-approved to be able to meet an agent to submit offers on homes of your choice. You will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card for each applicant.

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% Sapphire Grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid.

The purchase in Fresno start from 51k for 2bd 1ba condo and the single family homes start from 81k for 2bd 1ba home. 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.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and consider. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ 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 1 answer Share Flag
Wed Jun 8, 2016
answered:
Hello Peter, there is the 3%-5% Sapphire Grant down payment assistance program that allows you to close with little out of pocket expenses. The USDA Rural is zero down in rural areas out side of Fresno.

You will need to be pre-approved to be able to meet an agent to submit offers on homes of your choice. You will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card for each applicant.

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% Sapphire Grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid.

The purchase in Fresno start from 51k for 2bd 1ba condo and the single family homes start from 81k for 2bd 1ba home. 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.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and consider. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ 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 2 answers Share Flag
Tue Jun 7, 2016
answered:
Hello Hellokimmie84, yes you may consider the 3%-5% Sapphire Grant down payment assistance program. We use qualifying income so it is worth a look...

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 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% Sapphire Grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid.

You will need to be pre-approved to be able to meet an agent to submit offers on homes of your choice. You will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card for each applicant.

The purchase in 93711 zip code of Fresno start from 160k for 3bd 2ba townhouse and the single family homes start from 210k for 3bd 2ba home. You may qualify to buy with minimum out of pocket expenses with the Sapphire Grant program.

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.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and consider. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ 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 4 answers Share Flag
Sun May 15, 2016
Fresno8282 asked:
Tue Apr 26, 2016
Mike Baker answered:
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