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Home Buying in 92509 : Real Estate Advice

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  • Local Info5
  • Home Buying13
  • Home Selling0
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Activity 13
Mon Feb 6, 2017
Gregory M Chase asked:
https://www.trulia.com/property/3258994946-8024-Wendover-Dr-Riverside-CA-92509?ecampaign=e&eurl=www.trulia.com/property/3258994946-8024-Wendover-Dr-Riverside-CA-92509&alat=13bc7…
0 votes 0 Answers Share Flag
Tue May 10, 2016
answered:
Hello Yolanda, it depends on what you mean by good credit. It will also depend on if it is in a park with space rent or on it's own land and or on a foundation and the year built is very important.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down. You may consider a 3%-5% Sapphire Grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid.

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 will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card for each applicant.

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 consider. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ 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
... more
0 votes 5 answers Share Flag
Tue May 10, 2016
answered:
Hello Yolanda, yes there are programs like the 3%-5% Sapphire Grant down payment assistance program where you can purchase with minimum out of pocket expenses. You will need a minimum 620 fico score to qualify.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down. The CHDAP down payment assistance program is another option.

You will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card 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.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and consider. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ 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
... more
0 votes 7 answers Share Flag
Fri Apr 29, 2016
answered:
I would say not to cosign, if you can. It does not work out for a number of reasons.

I do creative financing, have her give me a call.

714-968-2500


Lic 287206 Equal housing lender puedo hablar un poco ... more
0 votes 3 answers Share Flag
Thu Sep 12, 2013
Kawain Payne answered:
They should allow you to see it, especially if they charged you a fee to run it.

You can also get a FREE report once a year from the credit reporting agencies.
(not freecredit report.com).

Best of luck to you!
Kawain Payne, REaltorI
... more
0 votes 8 answers Share Flag
Sun Sep 1, 2013
Akande O.B answered:
There is no recent activity on this property? What are you looking for? No updated information on the property. I can help you refine your choice estate.
0 votes 4 answers Share Flag
Tue Jan 26, 2010
Harold Sharpe answered:
Hi Mrs Really wanna house,

You cannot use the tax credit to buy a house. www.southern-california-home.com/buyingahome/html
However there may be a lender out there that may consider lending you the money upfront. The tax credit is after you close escrow, file or refile your tax return and approx 60 - 75 days later, if all goes well with the IRS, you may get your tax credit. ... more
0 votes 7 answers Share Flag
Thu Sep 24, 2009
Janet Guilbault answered:
Speak to a mortgage person. It is possible your community or county offers some sort of assistance.

Better bet in my opinion is to get a family member to gift you the down payment and closing costs on an FHA loan.

Closing costs can be credited by the seller, NOT your downpayment. But it can be 100% gifted.

Otherwise, wait and save. Its okay to buy next year!
... more
0 votes 3 answers Share Flag
Fri Jul 24, 2009
Ming answered:
I'm wondering what time Lynn in Texas starts drinking. Some of her answers make no sense. I think she's sitting with a bourbon and a smoke pounding out nonsense to hear herself talk.
1 vote 7 answers Share Flag
Sat Jul 11, 2009
Jory Blake answered:
Hello, I work with top notch lenders who can assist in getting you approved for an FHA loan. It requires commitment but is not difficult to do. Once we get you approved, I can go to work putting you in your first home!!

I have many satisfied buyers! Call me and I will walk through every step...

Join me for free at listingbook.com - www.theJORYgroup.listingbook.com

Jory
... more
0 votes 3 answers Share Flag
Tue Jun 23, 2009
Liane Thomas answered:
Hi Lluvia,
This home was sold and closed escrow on June 15th, 2009. the price was $175K. Thanks, Liane
1 vote 2 answers Share Flag
Mon Jul 7, 2008
Richard Garcia asked:
Mon Jan 7, 2008
Jeanne Rittenhouse - Southern California Real Estate Specialist answered:
Yes, utilities are important but you also need to consider if the property has been zoned for residential use. If so, then try to find a property that already had the utilities to the street to make it less of an expense to have them run to the home.
Happy hunting!!!
... more
0 votes 3 answers Share Flag
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