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92301 : Real Estate Advice

  • All20
  • Local Info2
  • Home Buying12
  • Home Selling2
  • Market Conditions1

Activity 18
Sat Jun 24, 2017
Kathy Burgreen answered:
The best thing to do is use your new income to fix your credit. Forget about moving anywhere. Once your credit score is 620 or higher, you will find it much easier to buy or rent. As for saving for a down payment, there is an FHA loan which only requires 3.5% of the purchase price for a down payment. You will also need cash to pay for closing costs.

Your first step is contacting a lender and have them pull your credit. Ask them to assist you with fixing your credit. Lenders need your business and they want you as a customer. If they see you're willing to work hard to improve your credit score, then they will be happy to give you a loan in several months. Lenders will be happy to explain the mortgage process and give you side by side comparisons. It's all free. Start with your bank because you already have an account there.
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0 votes 1 answer Share Flag
Thu Oct 15, 2015
answered:
Hello skinneykinney, yes you can but 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 you are looking to achieve you can be emailed listings to study and compare.

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 from a minimum 640 fico score 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.

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
23+ 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 11 answers Share Flag
Wed Jun 10, 2015
Walter 'Skip' Kersten answered:
Fri Jun 27, 2014
Hector Reyes answered:
Hello Barbara, Are you still looking to buy or sell real estate?

Let me know if you have any questions.

Hector Reyes
760-881-4274
All SoCal Homes
BRE ID 01832572
0 votes 2 answers Share Flag
Fri Jun 27, 2014
Hector Reyes answered:
Hello, I work with USDA buyers in Adelanto.

Let me know if you have any questions..

Hector Reyes
All SoCal Homes
(760)881-4274
BRE ID 01832572
0 votes 3 answers Share Flag
Fri Jun 27, 2014
Hector Reyes answered:
Yes more people are moving in to the High Desert.
We have more construction going on on new commercial buildings, New roads and bridges are been built, new home constructions is going up too.

Please if you have any questions call me at 760-881-4274

Hector Reyes
All SoCal Homes
BRE ID 01832572
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0 votes 2 answers Share Flag
Fri Jun 27, 2014
Hector Reyes answered:
I am a real estate agent I can help you with your real estate investment.

Give me a call at 760-881-4274

Hector Reyes
All SoCal Homes
BRE ID 01832572
0 votes 7 answers Share Flag
Tue Nov 26, 2013
Johnny James answered:
As one of the areas with the lowest rental prices in Southern California, the High Desert gets an incredibly high number of transplants from more expensive areas looking to call the high desert home. ... more
0 votes 5 answers Share Flag
Tue Nov 26, 2013
Johnny James answered:
Adelanto sales prices are up over 30% since last year this time.
0 votes 6 answers Share Flag
Tue Nov 27, 2012
Rich Homer answered:
Best to go directly to a LOCAL pro at "Find a Pro" in the header of this website for local advice.
http://www.naplesrealestateguys.com/
0 votes 3 answers Share Flag
Tue Oct 23, 2012
Maria Cipollone answered:
As hard as you try to breaking your lease option, sometimes, this is your only alternative. Unfortunately, breaking a lease option can have major consequences, creating a domino effect that can impact your personal finances for years, as well as your credit score. Best advice, consult with a lawyer.

Best of luck,

Maria Cipollone
www.FlaHomeSpecialist.com
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1 vote 7 answers Share Flag
Tue Oct 23, 2012
Alison Hillman answered:
Hey there-

I am happy to recommend some agents that can help you! Take a look at the recommendations and reviews, hope this helps!

http://www.trulia.com/voices/directory/92301-agent--76790

Ali, Community Manager
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0 votes 1 answer Share Flag
Sun Sep 30, 2012
Devona Garrigus answered:
Joan,

I will email you for more information regarding toe property. We handle many types of sales, and I think we could be the right real estate professionals for you. Check out our website below to learn more about us: ... more
0 votes 3 answers Share Flag
Sat Sep 8, 2012
Claudia Rothwell answered:
Hi Frank,

Where you able to get the sold price? Since the home is located in Adelanto (92301) it would be listed in the Victor Valley MLS along with all of the comparable sold properties for it. Let me know if you need this info.

Claudia Morales, ABR
Century 21 Fairway Realty - Victorville
c21morales@gmail.com
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0 votes 3 answers Share Flag
Sat Sep 8, 2012
Outsicktoday answered:
The tax credit means nothing. Homes in Adelanto will drop when rates rise and when the tax break goes away. You would be wise to wait patiently and fix your bad credit as best you can.

Save to buy into a better area is my advice. Once you are in Adelanto you're not going to sell anytime soon.
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0 votes 5 answers Share Flag
Wed Jul 14, 2010
Rich Homer answered:
Patrice,

Foreclosure notices are public records at the county level and a quick search of your address on google these days should pull up any listings for sale. Hope that helps and good luck to you. ... more
0 votes 3 answers Share Flag
Mon Aug 31, 2009
Jesse Sierra answered:
Javier,

Here is a link of houses available in San Bernardino County. Although there are no USDA homes available in Adelanto.
http://www.resales.usda.gov/sfhdirect/propertylist.cfm?state=CA&st=06&cnty=071&mapname=CA_S

Best Regards,

Jes Sierra, B.Sc.
Realtor®
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0 votes 2 answers Share Flag
Wed Mar 11, 2009
Keith Manson- Metro Milwaukee Wisconsin answered:
You are responsible for he HELOC loan and will be able to go after you for the money lent. Bankruptcy may releive the need to repay, but will hit your credit for 10 years and limit your ability to purchase another home. Filling bankruptcy will affect the interest rate you will be paying on other types of loans until cleared on the credit report. A bankruptcy would outline the differt options and requirements. It sounds like you are trying to file a chapter 7 which will discharge the debt and not a chapter 13 where the debt needs to be repaid. If filing chapter 7 there are some step an attorney will have to take your through to see if you meet the minium requirements. ... more
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