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Home Buying in Whittier : Real Estate Advice

  • All211
  • Local Info15
  • Home Buying87
  • Home Selling3
  • Market Conditions4

Activity 90
Tue Sep 13, 2016
Kb48726 answered:
Some townships will just fine you double the cost of the permit. Others may attempt to force compliance and levy hefty fines. either way, why deal with the issue? move on.
0 votes 28 answers Share Flag
Mon May 23, 2016
answered:
Yes I have 100% financing available. With low APRS from as low as 3.875%*no mortgage insurance.

Though you still need some cash. You need to put down a deposit, (Unless you are buying from a family member or something.) You will also need to pay taxes, insurance, the first months interest. Though it is negotiable for the seller to pay some of this.

Call me at 714-968-2500 for more information

Lic 287206 Equal housing lender


If you are a mortgage banker or broker and would like to offer 100% non-conforming loans. Please give me a call

APR's very on a case by case, the average APR is 4.75% but because they have no MI the payments are similar to what conforming or FHA loan would be.
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0 votes 4 answers Share Flag
Wed Apr 6, 2016
Alexander Greer answered:
All paperwork has to match her legal name. I am guessing her driver license has her legal name on it?

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
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0 votes 1 answer Share Flag
Thu Dec 17, 2015
Rich Reed answered:
In CA pre-foreclosure is before the Notice of Default is filed (which is the official start to the foreclosure process). The property may or may not be for sale. If it's for sale, then of course you can buy it. If it's not for sale, then it would be a matter of contacting the owner and making an offer. ... more
0 votes 1 answer Share Flag
Sat Dec 12, 2015
Rich Reed answered:
In my opinion, most properties that are marketed as "rent to own" are trying to take advantage of unsophisticated buyers/tenants and sellers/landlords. RTO is hyped to would be real estate investors as a type of "get rich quick" scheme and to potential homeowners as a way to overcome credit problems. Rent to own transactions done by a legitimate Realtor are leases with an option to purchase and are three contracts: the lease, the option, and the purchase agreement. You should look for a Realtor familiar with leases with option to purchase transactions. If both parties are represented by Realtors then it is probably legit, otherwise I would advise extreme caution and due diligence! ... more
0 votes 5 answers Share Flag
Sat Jun 13, 2015
answered:
I would be glad to answer any of your questions, It sounds like your credit would be OK.

my phone is 714-968-2500
0 votes 3 answers Share Flag
Sun May 10, 2015
Jamesbangar answered:
Francesca. The time to buy is NOW ! Sound familiar ? My counseling to most First Time Buyers would involve a careful evaluation of their current and future housing plans.
I have to be candid by stating I certainly appreciate the Tenants of my rental property paying my mortgage plus a profit each month, and my property taxes, and my property insurance. Not to mention the fact that while they have been residing in the property it has appreciated in value more than double.
That being said, if your housing plans include potentially reducing your income taxes, creating a nest egg in the form of equity, and taking advantage of some of the cheapest money available in decades, you may wish to "Own Your Own Piece of California by obtaining a Full Credit Pre Approval via a referral from a trusted experienced Real Estate broker . Then moving forward with the assistance of that Broker to purchase your dream home.
James Bangar,Broker
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0 votes 3 answers Share Flag
Wed Apr 22, 2015
Alex Montelongo Real Estate Group answered:
Sellers are obligated to disclose all known material facts pertaining to the property. It is always in the buyers best interest to have a physical inspection.

Alex Montelongo/Broker
Coldwell Banker Star Realty
562-8387 Cell
BRE lic# 01456982
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0 votes 3 answers Share Flag
Wed Apr 22, 2015
Alex Montelongo Real Estate Group answered:
Unfortunately, we as agents do not have control over who posts listings here on Trulia or any other website for that matter. We need the public to report scams out there so that Trulia is able to remove the listing. I have had similar experiences with my listings in the past. It is annoying. I've spoken to the police and there is nothing that they can do unless a crime has been committed and someone is at a loss.

Alex Montelongo/Broker
Coldwell Banker Star Realty
562-810-7387 Cell
BRE Lic #01456982
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0 votes 4 answers Share Flag
Mon Apr 20, 2015
Sheryl Arndt answered:
Hello Francesca, it is up to the lender/loan officer as it has to be paid for from someone when credit reports are pulled as they have to be paid up front as they are provided from an outside third party service. I am a Veteran and love assisting Veterans...

It will depend on your credit profile as to your lender choices as you may need to have a broker fund your loan as they have many banks to choose from without having to go to each one for approval. We are approved with over 25 banks so we have all loan programs as well as VA loan banks that lend from no minimum fico score as many you run into have their own overlays requiring minimum 640 fico scores.

The purchase in Whittier start from 234k for 2bd 1ba condo, 300k for 3bd 2ba condo and the single family homes start from 320k for 2bd 1ba home which is as low as zero down with a VA loan or $1,510 down payment with a minimum 580 fico score @320k with an FHA loan.

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 compare. Here are some links to study as well as web reference links to many loan program pages offered...

P.S. Thanks Richard but I have spoke with her and let her know I do loan all over CA and my office is in Woodland Hills and my home is in Apple Valley which is a little far to meet in person.

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
22+ 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

If my response was helpful, consider clicking Thank, Link or Best Answer.
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0 votes 2 answers Share Flag
Thu Mar 19, 2015
Sheryl Arndt answered:
Hello Brenda, you may already qualify to buy now but you should study RENT vs BUY options as you may qualify to buy with minimum out of pocket expenses and pay less than rent in many cities. The rent to own properties usually want atleast 10% down and up plus another 3% additional fee. What are your scores?

The rentals in 90604 zip code start from $965 for 1bd 1ba apartment, $1,375 for 2bd 1ba condo and the single family homes start from $2,100 for 3bd 2ba home in Whittier. The purchase start from 186k for 1bd 1ba condo, 265k for 2bdf 2ba condo and the single family homes start from 349k for 4bd 3ba home in Whittier 90604 zip code which is from $1,750 down payment with a minimum 580 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 or as low as .5% half percent down payment program. You may consider 3% down conventional from a minimum 620 fico score.

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.

If you have credit issues, your credit scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary. 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
22+ 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

If my response was helpful, consider clicking thumbs up or Best Answer!
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0 votes 7 answers Share Flag
Thu Mar 19, 2015
Alex Montelongo Real Estate Group answered:
I have never heard of any rent to owns that have worked. The theory is out there but I have yet to see it practiced on a regular basis. I don't see why it should be a secret based on a previous comment. But whatever. That just goes to show that it is not widely practiced and Buyer Beware!

Alex Montelongo/Broker
Coldwell Banker Star Realty
562-810-7387 Cell
BRE Lic #01456982
... more
0 votes 3 answers Share Flag
Fri Oct 31, 2014
Robert Chomentowski answered:
Usually you can only have one FHA loan at a time. If you were transferred for your job beyond community distance (which it appears you may have been), you may be able to get approved for another FHA loan. Let me know if I can assist. ... more
0 votes 1 answer Share Flag
Tue Oct 28, 2014
Sergio Medina answered:
Melissa, Whittier is large city that is broken up in to smaller,scattered quadrants that dictate their desirability in reference to "safety". It is impossible to generally answer that question. 90602 has the highest renter-to-owner ration in comparison to the other 5 zip codes and is the most apartment dense area as well. In contrast, 90602 features a few of the most desirable and safest areas of Whittier. You will definitely need a Whittier expert to protect your interest and make sure you find what you are looking for. I help families achieve that exact goal on daily basis and would love the opportunity to do the same for your family Melissa.

Kindly,
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0 votes 10 answers Share Flag
Tue Sep 2, 2014
Dan Tabit answered:
Mike,
Any answer containing certainty is a guess. I've had short sale listings appraised and BPO'd multiple times and still waited weeks for a response. The only certainty with short sales is uncertainty.
I've been doing short sales since 2002 when no one knew what they were. I've negotiated the majority of them myself, but the past couple years found a law firm who does a great job and has more access than I ever got.
It could go quickly, but no guarantees. I wish I could tell you something more helpful.
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0 votes 4 answers Share Flag
Sat Jun 14, 2014
Alex Montelongo Real Estate Group answered:
I have helped Veterans purchase a home utilizing a VA loan. Do you know that VA is not a lender but and insurer? The VA insures the value of a property up to 27% of the loan against loss in value. Buying with a VA loan will require patience. You may end up having to write more than one offer depending on the property and the local market. It will require a strategy. Anyways, we can discuss all of these things if you choose to reach out to me. Feel free to check out my profile here on Trulia. This will give you a feel for the level of service that I provide.

All the best,

Alex Montelongo/Broker
Coldwell Banker Star Realty
562-810-7387 Cell
BRE Lic #01456982
... more
0 votes 4 answers Share Flag
Mon May 26, 2014
Oscar Gonzales answered:
Hi Ricardo,

I would first self evaluate and see how much you can afford. Then speak to a reputable lender. They will assets your financials and your DTI (debt to income ratio) and will let you know how much you qualify for and your interest rate. I work with a few great lenders. Reach out to me if you need some help.

Good Luck!

Oscar Gonzales
WestCo Realty
562-244-2055
BRE#01771716
... more
0 votes 4 answers Share Flag
Thu May 22, 2014
avery15522 answered:
Wed Jan 8, 2014
Emily Knell answered:
Sure, you can buy my new listing in Whittier, it's a 2 on a lot, 4b 2ba + a 2b 1ba, not sure what Kmart has to do with it, but money talks & you know what walks.

If you'd like to discuss this further, shoot me an email directly or give me a call. I don't look back on this same Trulia posting for Answers or Replies posted after mine.


Emily S. Knell
EmilyKnell1@yahoo.com
562-430-3053 c
Realtor Since--- 1996
Realty ONE Group
BRE# 01211967
... more
0 votes 3 answers Share Flag
Tue Oct 29, 2013
Nancy Villasenor answered:
I would recommend contacting a Real Estate Attorney that can assist you with filing eviction paperwork.
0 votes 6 answers Share Flag
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