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Rentals : Nationwide Real Estate Advice

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Activity 40,539
Mon Feb 20, 2017
Maricris A answered:
Hi,

I sent an email to you about this concern.

Regards,

Maricris
Consumer Care advocate
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Mon Feb 20, 2017
Sheryl Arndt answered:
Hello Joharipennington, it would be up to each individual landlord or rental management company as to the discharged eviction. You did not mention the number of bedrooms or the payment your looking to achieve. You may even qualify to buy with minimum out of pocket expenses and pay less than rent in many local zip codes.

The rentals in Sacramento start from $595 for a studio apt in North Sacramento, from $595 for 2bd 1ba apt in Southwestern Sacramento and the single family homes start from $950 for 2bd 1ba of a duplex in Southwestern Sacramento.

http://www.realtor.com/apartments/Sacramento_CA/price-na-1500/affordable

The purchase in Sacramento start from 59k for 2bd 1ba condo and the single family homes start from 128k for 3bd 2ba home. You may qualify to buy easier than renting if you have two year work history and descent credit scores. You may qualify for down payment and closing costs assistance.

http://www.realtor.com/realestateandhomes-search/Sacramento_CA/type-single-family-home,condo-townhome-row-home-co-op/price-na-150000/pnd-hide/sby-1

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 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.

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.

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
... more
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Mon Feb 20, 2017
Rayanne Borges asked:
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This question was asked from this property: https://www.trulia.com/property/-
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Mon Feb 20, 2017
LaTanya asked:
Mon Feb 20, 2017
Ann Pollet asked:
We send already several requests to view a home in west Bend. Contact person should be Joe Erato. As we don't receive any e-mail or call back from him, maybe it is a scam
5631 Whispering…
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Mon Feb 20, 2017
Maricris A answered:
Hi,

I sent an email to you about this concern.

Regards,

Maricris
Consumer Care advocate
0 votes 1 answer Share Flag
Mon Feb 20, 2017
Rob and Linda Libby asked:
looking, for 3-4 month winter rentals in florida
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Sun Feb 19, 2017
Sophie Lee asked:
Sun Feb 19, 2017
Thestrutter asked:
Sun Feb 19, 2017
Anna asked:
Generally speaking I'm not making enough money here and can't survive on this job. Thank you in advance for any advice.
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Sun Feb 19, 2017
Anna asked:
Also he might have a dog where in the lease was specified "no pets". I appreciate any input. Thank you in advance.
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Sun Feb 19, 2017
Diane Velasquez answered:
I am looking a place that I have a voucher section8 and I am looking for 2 bedrooms for me and my son and my grandson too but I try looking a place every where but I need to move before I don't want loss my section 8 this is my first time to be in my program with my section 8 and I like good condition and good neighbor to live and clean but please help us to find a place that accept section 8. But is hard for me to find because my credit score is low and I am Harding of hearing and my son try help me get a place and I need right way because my son need get surgery hernia and I working and I get social security disability month too but I need help me get a home for me and my son please is not easy to find a place for me I love to live in Suffolk or Long Island ny thank you 631-565-4405 My son phone ... more
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Sat Feb 18, 2017
Ashley Cole asked:
I am PCS'ing to Fort Riley and will be there the end of April. I am looking to live in Junction City because it looks like it's cheaper than Manhattan. Where are the best neighborhoods?…
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Sat Feb 18, 2017
Rehrling asked:
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