Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

91711 : Real Estate Advice

  • All10
  • Local Info1
  • Home Buying3
  • Home Selling1
  • Market Conditions2

Activity 10
Sun Oct 2, 2016
Sheryl Arndt answered:
You do not need to necessarily have credit cards per say as you may qualify FHA with alternative credit such as utility bills such as gas, electric, phone, television, car insurance, cell phone, car payment, renters insurance and rent.

You may qualify FHA with NO FICO scores and alternative credit or 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 will need to be pre-approved if you decide to buy and to be able to meet an agent to view and submit offers on any homes of your choice. 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 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.

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 2 answers Share Flag
Fri Oct 16, 2015
Emma answered:
Call Emma Bradley @ Reliant Bank Mortgage Services 813-756-8647 Office, or cell 352 364 2838
0 votes 11 answers Share Flag
Sat Mar 28, 2015
Sheryl Arndt answered:
Hello Karkura, you may consider Stated Income Loans for self employed with a minimum 700 fico score and 30% down if you have assets. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

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...

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.
... more
0 votes 6 answers Share Flag
Sat Mar 28, 2015
Alex Montelongo Real Estate Group answered:
This question was asked a long time ago and the market at the time was still spiraling downward. I remember at that time on the news it was Foreclosures and unemployment on the news headlines. The market has changed since then. Most people are in positive equity positions once again. Short sales are less than 2% of the market.
I hope that everything worked out in your favor.

Alex Montelongo/Broker
Coldwell Banker Star Realty
562-810-7387 Cell
BRE Lic#01456982
... more
0 votes 4 answers Share Flag
Sat Mar 28, 2015
Alex Montelongo Real Estate Group answered:
It sounds like the Realtor didn't do anything wrong. Everything was disclosed to you and ultimately you made the decision to accept the contingent offer. The agent did a fine job. You may have some personal issues with your agent earning her commissions. So you want to sell your house for over asking price, buy your new house contingent on the sale of your property and get everything that you want!!?? AND... you want to possibly ruin the reputation of your agent that is helping you accomplish all of this?? I feel for your agent... ... more
0 votes 3 answers Share Flag
Tue Jan 6, 2015
Arpad Racz answered:
Hi Retuya,

Are you looking for a property near Mountain View elementary? Please let me know your criteria.

Thank you,

Arpad
0 votes 1 answer Share Flag
Wed May 30, 2012
Aroundclaremont.com answered:
It's mostly privately owned quarries, some state owned land, and flood plains controlled by the county. There are some great trails in that area though, so it's good for hiking.
0 votes 2 answers Share Flag
Wed May 30, 2012
Aroundclaremont.com answered:
I think Claremont has some factors that insulate it from the overall effects of the general economy, 7 factors in fact...the 7 Claremont Collleges. Given that these institutions continue and will continue to bring revenue to the city, you won't see any drop in the upkeep of the community and given the engaged nature of the faculty and community at large, you get a positive force that will continue to shield the community from the harshest effects of the recession. ... more
0 votes 10 answers Share Flag
Mon Oct 31, 2011
Colleen Coleman answered:
Hi Bishoplauren89,

It's imperative that you read the lease very carefully, with special attention to the paragraph regarding utilities.

If you signed the lease, you are bound by the provisions of the lease, no matter what was told to you verbally.
Hoping that your lease is explicit and clarifies who is responsible for what.

When you say that they are not separated, do you mean that all shows up on a single bill ? Or that there is actually only one meter for each ?

Are there individual sub-meters for the utilities? If so, it's extremely easy to determine which unit used how much of each utility. If the units are not sub-metered, it means that you only have one gas meter, one water meter, etc. for the entire building. That will be impossible to determine which unit used how much water, gas, etc.

Re your requests to the property management firm, keep a timeline of all conversations, persons involved, etc.

Keep detailed records, and put everything in writing.

Here's a link that you might want to look at: http://www.dca.ca.gov/publications/landlordbook/catenant.pdf

Here's also the contact details for San Bernardino County
SAN BERNARDINO COUNTY
Inland Fair Housing and Mediation Board
560 North Arrowhead Avenue, Suite 7A
San Bernardino, CA 92401
(909) 888-3763 (800) 321-0911
sanbernardino@ifhmb.com
www.ifhmb.com

Good luck.

Colleen Coleman
(909) 972 1616
FastCash4Homes.Biz
www.FastCash4Homes.biz
www.ClaremontShortSales.com
www.ShortSaleOrKeep.com
www.FreeInfo4HomeSellers.com
... more
0 votes 6 answers Share Flag
Thu Mar 17, 2011
John Arendsen answered:
Hope this helps:

CALIFORNIA CODES
PROBATE CODE
SECTION 10300-10316

10311. (a) Subject to subdivisions (b), (c), (d), and (e), and
except as provided in Section 10207, if a written offer to purchase
the real property is made to the court at the hearing on the petition
for confirmation of the sale, the court shall accept the offer and
confirm the sale to the offeror if all of the following conditions
are satisfied:
(1) The offer is for an amount at least 10 percent more on the
first ten thousand dollars ($10,000) of the original bid and 5
percent more on the amount of the original bid in excess of ten
thousand dollars ($10,000).
(2) The offer is made by a responsible person.
(3) The offer complies with all provisions of law.
(b) Subject to subdivisions (c), (d), and (e), if there is more
than one offer that satisfies the requirements of subdivision (a),
the court shall accept the highest such offer and confirm the sale to
the person making that offer.
(c) The court may, in its discretion, decline to accept the offer
that satisfies the requirements of subdivisions (a) and (b); and, in
such case, the court shall order a new sale.
(d) If the sale returned for confirmation is on credit and the
higher offer is for cash or on credit, whether on the same or
different credit terms, or the sale returned for confirmation is for
cash and the higher offer is on credit, the court may not consider
the higher offer unless the personal representative informs the court
in person or by counsel prior to confirmation of sale that the
higher offer is acceptable.
(e) For the purpose of this section, the amount of the original
bid and any higher offer shall be determined by the court without
regard to any of the following:
(1) Any commission on the amount of the bid to which an agent or
broker may be entitled under a contract with the personal
representative.
(2) Any condition of the bid that a certain amount of the bid be
paid to an agent or broker by the personal representative.
... more
0 votes 6 answers Share Flag
Search Advice
Search

Followers

274