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Home Buying in Newhall : Real Estate Advice

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  • Home Buying3
  • Home Selling2
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Activity 9
Tue Jan 31, 2017
Sheryl Arndt answered:
Hello Marklacydrums, yes there is a VOE form that lenders/processors use. Are you a 1099 employee because we would need a two year work history and two years tax returns including all schedules, 2106 expense write offs/unreimbursed employee expenses to determine net income to qualify.

If you are a W2 employee you will have a bunch more choices for loan programs from low down payment programs. You would need a minimum 620 fico score and from 15% down to qualify self employed for High Balance or Jumbo loans.

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.

The purchase in 91381 zip code start from 335k for 2bd 2ba condo, 379k for 3bd 3ba condo and the single family homes start from 585k for 3bd 2ba 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 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
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0 votes 2 answers Share Flag
Mon Nov 7, 2016
Angelica P answered:

The photos have been removed from our display as you requested.

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

Thank you for using Trulia!

Consumer Care Advocate
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Fri Sep 30, 2016
Alexander Greer answered:
Yes. This is extremely easy to do. Not sure why it is a question if you can do it or not.

Alex Greer
Loan Officer
NMLS #1056079
0 votes 1 answer Share Flag
Sun Mar 8, 2015
Michael Waxman answered:
If you're looking for easy access to and from the freeway, much less traffic and more consistency, then you will enjoy Stevenson Ranch. Valencia is made up of subdivisions or as I would refer to as communities within the community. Each of these include housing to accommodate all stages in life. Each has apartment living, condos, starter homes, move up home and executive homes. Therefore everybody can enjoy the quality of life regardless of their financial status. Stevenson Ranch is different where the higher up on the hill you are, the more expensive things are.7310 ... more
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Mon Apr 15, 2013
Laura Coffey answered:
I would bring all your documents to someone that could give you legal advice. I would also look into talking with their broker and filing a small claims law suit against them.
0 votes 11 answers Share Flag
Mon Nov 29, 2010
Wendy Offshack answered:
Hi Jahari,
I think the best thing to do is to actually ask the agent (or ask your agent to ask the listing agent) why he is holding the offers? Is there a current offer they are already processing on the property? Has the bank giving him something in writing that says they don't want the offers submitted until a specific date? There could be lots of reasons, but I think the best way to get an answer is to ask him directly. ... more
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Fri Nov 19, 2010
Cheryl Garner answered:
Speak with you bank. Ask about their current refinance programs/fees. Then call an independent loan officer (like myself) and ask about rates/fees. Your bank may offer lower fees but have a higher interest rate to cover those fees. Best thing to do is compare. A new title will be required because from the time you bought to the time you refinance, something could have popped up against your property without your knowledge.

Call me should have questions or concerns. I can be reached at (661) 255-3335. 12 Years experience. Certifed as a mortgage coach (CMC).

Cheryl Garner, Mortgage Expert
Fairview Mortgage Capital, Inc.
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0 votes 3 answers Share Flag
Thu Nov 18, 2010
Cheryl Garner answered:
Processing, underwriting, funding, escrow, title, and recording fees are typical. The exception is the origination fee. If you want a zero point loan, typically you would have a slightly higher interest rate vs a one point cost. Escrow fee is based on your purchase price or in the case of a refinance, escrow fee is a flat fee. Title is based on your loan amount.

Your loan officer should be discussing a 1 point vs a zero point and anything in between so you understand all your options.

I have no problem reviewing your current GFE and giving you suggestions. Absolutely no obligation. Simply Fax to 661-255-3336 or email me a copy.

I can be reached at (661) 255-3335 should you need further assistance.

Cheryl Garner, Mortgage Expert
Fairview Mortgage Capital, Inc.
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0 votes 6 answers Share Flag
Fri Oct 2, 2009
Kevin and Julie McLaughlin answered:
Probably just as easy to ask your employer to give you a copy of the missing year's W-2.
0 votes 6 answers Share Flag
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