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Property Q&A in Oceanside : Real Estate Advice

  • All375
  • Local Info15
  • Home Buying96
  • Home Selling17
  • Market Conditions8

Activity 242
Mon Jan 30, 2017
answered:
Lease with option to buy are risky and usually require a 10% or more non refundable deposit as well as other fees. You may already qualify for traditional FHA financing with 10% down from a minimum 500 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 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.

Do you have down payment and closing costs or do you need down payment and closing costs assistance? You would need a minimum 620 fico score to qualify.

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 some documentation 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 up to 424k.

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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Sun Jan 10, 2016
Ddfvmi1993 asked:
I am trying to update the info on my home (3156 Toopal Dr, Oceanside, CA, 92058) in the Trulia system b/c it incorrectly lists the home as having 2 full baths - it has 3. Please advise.…
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Tue Sep 15, 2015
Jamie Not Interested asked:
We bought our house in Dec. 2009 for $840,000. The seller had an interest only loan and wanted out fast. Value at that time was roughly $900,000 and falling fast.
We have since installed…
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Wed Mar 4, 2015
kolivetree asked:
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This question was asked from this property: http://www.trulia.com/homes/California/Oceanside/sold/6563974-3790-Cherrystone-St-Oceanside-CA-92058
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Mon Feb 2, 2015
dnelson714 asked:
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This question was asked from this property: http://www.trulia.com/homes/California/Oceanside/sold/6554363-320-Shadow-Tree-Dr-Oceanside-CA-92058
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Thu Nov 27, 2014
maradd22 asked:
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This question was asked from this property: http://www.trulia.com/homes/California/Oceanside/sold/6562651-307-Killdeer-Ln-Oceanside-CA-92057
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Tue Nov 25, 2014
Brianna C asked:
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This question was asked from this property: http://www.trulia.com/rental/3171638223-2653-Via-Del-Prado-2653-Via-Del-Prado-2-2-Oceanside-CA-92054?ecampaign=con_day_rentalpropertycomp_…
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Fri Aug 8, 2014
michaeljones4444 asked:
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This question was asked from this property: http://www.trulia.com/rental/3164046428-518-Citrus-Way-1-Oceanside-CA-92058#affordability
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Fri Jul 25, 2014
Maggie Adams asked:
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This question was asked from this property: http://www.trulia.com/rental/3156791337-626-Monica-Cir-Oceanside-CA-92057?ecampaign=con_day_rentalpropertycomp_bk&eurl=www.trulia.com/…
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Fri Jul 25, 2014
Leslie Idaspe asked:
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This question was asked from this property: http://www.trulia.com/rental-community/9000027722/Village-View-3634-College-Blvd-Oceanside-CA-92056/?ecampaign=con_day_rentalpropertycomp_…
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Fri Jul 18, 2014
Donna Wettstein answered:
No Pets preferred fro 2399 jefferson. thanks for your interest.
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Wed Apr 30, 2014
Christina E Delaney asked:
I am in the process of purchasing a home, but have decided to vacate my currently leased home in the month of May. Myself, my daughter and three granddaughters would like to find a rental…
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Fri Apr 11, 2014
Pam Robinson answered:
No this property is not for sale at this time. Last sold 1/2011. If you would like properties that are currently available please visit our website: www.seikoproperties.com. We will be happy to assist you with any inquiries about real estate.

Hope this helps.
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Thu Apr 10, 2014
Tony Cannon answered:
The photo is of the house at 5432 Stirrup. The listing was posted by "Blake Cottington" who does not appear to be a real estate agent or the owner of the property. The phone number associated with the ad also is linked with a few other properties listed on Trulia and Craigslist which do not seem to be legitimate. The home had a notice of default filed within the past month so that is another red flag. I would look for other properties if I were you. ... more
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Thu Apr 10, 2014
Sinead McAllister answered:
Hi Cruz,
Are you still looking for help? Feel free to contact me.

Thanks!
?Sinead McAllister-Clifford
Real Estate Broker/ RealtorĀ®

McAllister Homes Real Estate
Residential Sales & Property Management
www.McAllisterHomes.com
License 01366009
858-205-5215 CELL
info@mcallisterhomes.com EMAIL
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