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Home Buying in 92867 : Real Estate Advice

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  • Local Info0
  • Home Buying5
  • Home Selling4
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Activity 5
Wed Jan 4, 2017
Nicole Fedorchek answered:
Hello-
There are a few mobile home parks where you own the land. I know of one in Fullerton and one in Lake Forest.
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Fri Aug 21, 2015
Sheryl Arndt answered:
Hello Mitchell, you did not include an address or link to know which property you are inquiring about. 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.

The purchase in 92867 zip code of Orange start from 330k for 2bd 2ba condo and up and most all available inventory is standard sales. The REO start from 800k for 4bd 3ba single family home.

You will need to be pre-approved 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.

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
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.
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Thu Mar 27, 2014
Larry Webb, Ph.D., MBA answered:
Hi Cedric, I know this post is a bit old, but if you'd like an update on 92867 (Serrano Heights area) I am a specialist there and still hold the record for the highest sale price back to 2005. I'd be happy to help you find a home there - it is a great community! My contact info is below:

Larry Webb, Ph.D., MBA
Broker Associate/Agent – REALTOR®
(714) 222-1465
Century 21 Award - Fine Homes & Estates
Orange County, California
E-Mail: DrLarryWebb@cox.net
Video Biography: www.DrLarryWebb.com
Website: www.LaderaRanchHomeSales.com
See my professional recommendations on Trulia.com
CalBRE Real Estate Broker’s License: 01413405
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Fri Aug 9, 2013
Bev West answered:
Mon Jun 10, 2013
Jaci Woods answered:
Am happy to discuss with you - need to be pre-approved by a competent lender - see what amounts you are comfortable paying for PITIHOA - principle, interest, taxes, insurance and homeowner association dues. There are many "preapprovals" but the one which sellers are happiest with is a real preapproval where the lender has taken all your information, verified income, employment assets, and put your case to an underwriter - then you are issued a preapproval which is of substance. As the VA loans are in a class by themselves, you need to speak with a lender who specializes in VA loans and have an agent who understands and can educate sellers about VA loans.
I have a direct lender for 15 years who is extremely knowledgeable and well-respected in his industry who can help you.

Many lending institutions take your information, write a letter saying "your agent can move forward with confidence, based upon our conversation, you can buy a home" and they want you to go find a place first, then come back to them and THEN they'll do the above work. That's easier for the lenders to do it that way.

The trouble is, it's not beneficial to the buyer because, without that work being done before you go house shopping, you have little to no chance of really prevailing in a purchase offer because the sellers are pretty savvy and know that you may or may not really get a loan when the work hasn't been done prior to your shopping and making offers.

Hope that helps! You above all others should be able to buy a home - THANK YOU for serving our country - Jaci Woods, CRS, GRI, ABR, SRES - Broker - Irvine, CA - 714-389-4099
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