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Home Buying in 92592 : Real Estate Advice

  • All83
  • Local Info7
  • Home Buying34
  • Home Selling12
  • Market Conditions1

Activity 17
Mon Jan 30, 2017
Nikki R Aguirre answered:
Hi Mary,

The first thing you want to do is to check your credit score with a lender. This is what they will use to apply for the loan, so it is better to use their vs. a free credit score report. Let me know, I have lenders that can run it for your for free.

Then, the next thing I recommend is to decide how "bad" is bad...because if you are only a fee points away from a better interest rate, then I recommend working with people like Dedicated Credit repair to boost the score so your payment is lower, and save money over the 30 years.

Then, when the credit is there to give you affordable terms, we can help you find the right house here in Murrieta or Temecula. You can message me here or on our site homefinderbyschool.com
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0 votes 2 answers Share Flag
Tue Oct 20, 2015
christine kankowski answered:
You really need to check for each property, however, just likein SanDiego, newer properties typically have Mello roos or assessments that are added to your tax bill. These are typically 30 year fees that will drop off after that.
Many of the homes built 2005 or later have the higher rates 1.7-2%, homes built prior to 2001 are close to 1.1-1.2.
Sometimes the builder has paid the mello roos up front, so that taxes are lower for that particular community.
I hope that helps.
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0 votes 2 answers Share Flag
Tue Mar 31, 2015
answered:
The average for that zip code is 1.1% for property taxes.

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
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0 votes 1 answer Share Flag
Tue Mar 25, 2014
answered:
There are several good down payment assistance programs available for first time home buyers in Riverside County.

There are several programs from CalHFA (CalPLUS, CalFHA, CHDAP, ECTP for Teachers).

CHF Platinum provides 3-5% in home buyer assistance and you don't even have to be a first time home buyer!

NHSIE provides the CityLIFT assistance progams which offers $15,000 for cities of Riverside, Moreno Valley, Corona. NHSIE also offes the CalHOME program.

MCC tax credit is available.

The key is working with a local lender who offers all of these programs (like me) and can even layer or combine some of the programs. Most lenders offer only 1-2 and then only try to sell you on that one program.

If anyone lands on this page and wants to learn more about qualifying for down payment assistance in Riverside County, California, call me (951) 215-6119.
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0 votes 5 answers Share Flag
Sun Jan 19, 2014
Morgan & Diana answered:
As other have said the county clerk office, Title companies is where Realtors go most often to check on maters affecting your homes Title. It will eventually start showing up on sites like Trulia, Zillow, Foreclosure Radar, Realty Trek and others. ... more
0 votes 7 answers Share Flag
Tue Jun 4, 2013
Robert Spinosa answered:
I agree with the loan professionals below who suggest you should demonstrate that you're in the home before refinancing and starting the process. I would just add that if you own other rental property, it may make things harder still. Be sure to discuss your COMPLETE scenario with your loan officer as you begin the process, and definitely draft a strong letter of explanation to support your move.

LSS, it can be done. But remove the "if" to the degree that you can.

Rob Spinosa
rspinosa@rpm-mtg.com
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0 votes 7 answers Share Flag
Tue Nov 15, 2011
Kevin and Julie McLaughlin answered:
Get your own Realtor(R). CA allows dual agency, but think about it - The listing agent fiduciary responsibility is to their client, the Seller, to get the highest possible price for the property. How can they also get you, the Buyer, the best value? ... more
1 vote 29 answers Share Flag
Tue Sep 28, 2010
Kevin Olson, Jessica Laude answered:
The best way to find this type of information is to go through investor websites for bank of america. These are sloppy sites and often have the direct contact information for many of the higher ups. Believe me, they will be shocked when you call them directly and happy to keep transferring you until you get where you want to go. If it disconnects, call back, their phone lines are known to be "faulty" ;) ... more
0 votes 6 answers Share Flag
Mon Sep 20, 2010
Team Forss, #1 in SoCal answered:
You have some 1500 or so to choose from... :-) Pick a full-time realtor and someone you're comfortable with and who's responsive. We have many great realtors on our team who's based here in Temecula. Let us know if we can be of assistance. ... more
3 votes 12 answers Share Flag
Mon Sep 20, 2010
Team Forss, #1 in SoCal answered:
I'm curious which home this was and what it ended up selling for.

We have some bank listings that sold for a fraction of the original price. One example is a home that was $1.5M as short sale and we sold it for $640,000 cash. Generally though, the banks price them competitively and based on the listing agents broker price opinion and the appraisal. ... more
3 votes 11 answers Share Flag
Tue Apr 6, 2010
Sidney Kutchuk answered:
Request a copy of the email from Bank of America that all docs are in the system.
If the agent can't or won't provide it,move on.
0 votes 15 answers Share Flag
Sat Mar 13, 2010
Jesse Madison answered:
B of A has the reputation of being the slowest to respond to these types of issues. Just hang in there. Congratulations on your approval!
0 votes 3 answers Share Flag
Tue Feb 23, 2010
Jesse Madison answered:
You need to pull the taxes on a specific property to look at its assessments. You need more info than the year built and the zip code.
The most important year to know is 1986 because there was no mello roos prior to 1986. But after that you really need to pull the taxes on teh home to see what the mello roos is (if any) what the special assessments are and what the base tax rate is for the home. Add all three of thos together and you will figure out the annula taxes on the specific home.

Best of luck!

Jesse Madison
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0 votes 10 answers Share Flag
Mon Jul 6, 2009
Dot Chance answered:
Risa, can you give us a link so we can see exactly what you are referring to?

Thanks!
0 votes 1 answer Share Flag
Sun Jan 18, 2009
Heather Sheaffer answered:
Hi Tammy,
You asked this questions some time ago and I hope you got your answers, I am emailing you now - just in case you are still looking for a home in Temecula. I keep seeing this one house come up in my searches and I believe it must be for some reason (maybe it's just for you). It is at 43990 Cindy Circle in Temecula. It is 3371 ASF and listed at $286,126. It is also a short sale and the bank is offering to pay 3% in closing costs. Let me know if you are interested.
Take Care.
Heather
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0 votes 3 answers Share Flag
Fri Dec 26, 2008
Renee answered:
No....... I did not add my husband on either property, cuz he didn't help pay for them and they are both conventional loans, as a matter of fact, before I got married, I worked 2 jobs, busting my butt and was able to put $150K down to even be able to get a house! we have never co-mingled funds, never filed tax returns together, never had credit cards together, never had bank accounts together. he has never owned a home, my credit score is around 750 and my husband's is around 706. We have a combined income of about $125K ... more
1 vote 3 answers Share Flag
Tue Jan 8, 2008
Jim Welden answered:
Jess - as I was driving this evening I thought of another reason: if the town homes are ranch style homes (one-level living) and the single family homes are 2 story homes, then the price per square foot for the town homes will probably be larger than the single family homes because the cost to build out is almost always more than to build up. Best of luck with your purchase. ... more
0 votes 2 answers Share Flag
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