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Home Buying in 91730 : Real Estate Advice

  • All34
  • Local Info4
  • Home Buying15
  • Home Selling2
  • Market Conditions0

Activity 12
Sun Oct 5, 2014
Lon Mapes answered:
In California, the tax records only list square footage considered "living area" in the size of the home. Garage space is not "living area" (except for your car, LOL). Now, if the garage is ever converted to living area with the correct permits from the city, then it would be included. ... more
1 vote 12 answers Share Flag
Tue Aug 19, 2014
Brian Nguyen answered:
Yes, that is correct, but only for an FHA mortgage which is a great loan. The waiting period in order to get an FHA mortgage is now only 1 year, but there requires certain circumstances for that to be allow. I have pasted an article below from the Chicago Tribune about this change that you are talking about so check it out! I am a lender in Southern California and I have given loans to individuals who have also had recent short sales. If the short sale was due to job relocation, or there are other compensating factors and strengths to the file, I can get you the loan you need.

Well I hope this helps! If you have any further questions or if you need a loan, feel free to contact me. Also, if you found this helpful please leave me a recommendation if you can!

Good Luck!

Brian Nguyen
Sr. Mortgage Banker
NMLS # 659743
Phone: 949.667.2887
brian.nguyen@nafinc.com
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0 votes 9 answers Share Flag
Tue Aug 12, 2014
Micah Matson answered:
Basement square footage is usually not allowed to be added to square footage even if it is finished.
0 votes 1 answer Share Flag
Tue Apr 8, 2014
Niradia Demmings 3232097677 answered:
Rachel,
I am your local expert. I know of the programs you are looking for and guess what I may even save you an amount to only have to put down less than $3000 for the entire transaction. Give me a call and lets get this ball rolling. My lender is right here in Rancho Cucamonga. I look forward to speaking with you soon!!


Niradia Demmings,
Licensed in CA, #01720135
niradia.demmings@ziprealty.com
Cell: 323.209.7677
My Profile: http://www.ziprealty.com/agent/ndemmings
... more
0 votes 5 answers Share Flag
Wed Dec 18, 2013
Patti Ann Griep answered:
this may be a scam. I ran into the same situation -googled the address and found an ad saying it was for sale. Called Realtor she said it was for sale NOT rent. Always try to check it out if it seems low or anything feels odd google and check. I was ready to jump in on my case but they always say 'DO NO SEND MONEY THROUGH THE MAIL OR TO SEND IT SOMEWHERE, THEN YOU'LL GET PAPERS' I just felt like crying- I really need a place bad myself. Aloha and be safe. ... more
0 votes 7 answers Share Flag
Sat May 18, 2013
Teresa Mejia answered:
Hello, If you missed payments while in the shortsale process then you will have to wait 2 yrs with some lenders, I have a lender that can work with these special circomstances and get you a loan. It also depends on the down payment. If you plan on putting a big down payment the it will be easier to get the loan. If you would like to speak with my loan officer I can help you with that. She will be able to answer all your questions so you will know where you stand.

You can contact me.
Teresa Mejia
DRE#01775721
Intero Real Estate Services
Rancho Cucamonga
909-721-7679
Teresa.inter@gmail.com
... more
0 votes 17 answers Share Flag
Sat May 18, 2013
Teresa Mejia answered:
There are a few available, if you have been pre-qualified and have proof of funds to close, then the process will move along quicker. Rancho Cucamonga has alot of nice property's available. Homes that go on the market are getting swept up quickly. Once you view a home you will need to decide quickly if you want to put an offer in. As a real estate professional I study homes and prices everyday, If you would like more information and a list of homes to preview you can give me a call or email me.

Teresa Mejia
Intero Real Estate Services
909-721-7679
teresa.intero@gmail.com
DRE# 01775721
... more
0 votes 6 answers Share Flag
Sat May 18, 2013
Teresa Mejia answered:
I have work with many families to relocate them and get them the home of thier dreams. Many agents from other states have referred clients to me to either sell their home here in california to move to another state or to come from another state to buy a home here in california. I have lived in the area for over 28 years. Relocation and helping clients find the home of thier dreams is my expertise.
We have an inhouse lender, and escrow company, and they can answer all your questions. your price range is about $155,000 for an FHA loan with 3.5% down payment.
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0 votes 5 answers Share Flag
Sat May 18, 2013
Teresa Mejia answered:
Jetsetter, You can buy a property but you will have to provide the proper documentation regarding your legal seperation, and your spouse will have to sign a quit claim so that he will not have any claim to the property, this will be done through escrow. We have an inside lender that can help you, and also and escrow officer available to walk you throught the process.We are all located in the same office, Its a one stop shop for all your real estated needs. If you would like I can send you Information on property's as well as loan information. I work in the Rancho Cucamonga, and my office is also located there, ... more
0 votes 7 answers Share Flag
Fri Feb 8, 2013
George Raymondo answered:
Jetsetter,

Some good answers below. to summarize, your front end ratio can vary. If your credit is good and your debt is low then your top ratio can be much higher than 30%. I have had cases where the front end ratio has easily exceeded 36%. It just depends.

In the event you are a first time buyer these are some additional things you should be concerned with.

1.) Find a Loan Officer with a proven track record who WILL be straight with you, and equally important... take or return your calls. I can't tell you how many clients tell me how how frustrating it is when the LO doesn't return calls or has poor customer service.

2.) Lending has actually pretty straight forward now. All good Loan Officers will run your application and credit report through the AUS (Automated Underwriting System) in order to pre-determine what your maximum sale price is based on your income and debts. If they are a Mortgage Banker, they certainly know their own Underwriter's or Investor's guidelines concerning maximum ratios or having compensating factors.

Best of Luck!
... more
0 votes 8 answers Share Flag
Thu Aug 12, 2010
Diana Margala answered:
Hi Sherri:

Yes there are Government tax Forcloser properties available. You can go to my web site DianaM.com and click on County Assessors office....San Bernadin County....tax collector....tax sale inforeclosure.....current sale items. The you will get the list. The site also has information on the purchasing process. One of the main things you will need beside the list is a Realtor to help you with the value of the homes or land that you might be interested in. Let me know if I can help you with all your real estate purchases.

Good Luck

Diana 909-945-5763
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0 votes 1 answer Share Flag
Mon May 26, 2008
Joan Patterson answered:
Hi Nicole,
Great answer Diane :)
As always!
I agree with everything Diane said. I don't think home prices will rise for a long time. They are still dropping as we speak. Actually, if you check out the rent prices for Rancho Cucamonga, you are lucky to find a two bedroom apartment for 1500-1800, so why not put your hard earned money down onto a condo to start? But, like Diane said, beware of the HOA fees. Some of them are very high. Make sure you know how much it is and what it covers. Some of them cover water and trash and the pool and spa, while others only cover the common areas. Some are as low as 99, and as high as 400. That can add a lot to a payment. So, if you are concerned, you could look into a small house which would work as well. There are many nice ones available right now. Please don't feel like you have to buy something right now, but remember it is a tax write off and you can start building equity. Let me know if I can help in any way! You can search the MLS for free at my web site at www.calljoan4homes.com
Thanks,
Joan Patterson, B.A., A.S.P., G.R.I., Realtor
Keller Williams Realty
8250 White Oak Avenue, Ste 102
Rancho Cucamonga, CA 91730
951-204-1864
... more
0 votes 7 answers Share Flag
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