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Home Buying in 93010 : Real Estate Advice

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  • Local Info3
  • Home Buying6
  • Home Selling0
  • Market Conditions0

Activity 6
Wed Oct 21, 2015
Cindy Davis answered:
Have your listing agent delete it. Thee's no other way to get it done.
0 votes 1 answer Share Flag
Tue May 26, 2015
Sheryl Arndt answered:
Hello Jmremetio, yes you may qualify for Access .5% half percent down payment program with a minimum 580 fico score or CHDAP .5% half percent down payment program from a minimum 640 fico score. Each program has income limits and some slight variances.

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 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.

You will need to be pre-approved if you decide to buy 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.

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 and you can be emailed listings to fit your search criteria. 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 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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0 votes 4 answers Share Flag
Mon Mar 30, 2015
Jerry Brandt asked:
contact me at jerry@jerrybrandtrealty.com or 805-509-0089
0 votes 0 Answers Share Flag
Wed Oct 2, 2013
Blanca Dover answered:
Hi Ray,

I am a realtor that lives in the city of Camarillo so I am very familiar with it. I would be happy to send you a list of available homes. Please contact me with specifics at 805-427-5646. ... more
0 votes 9 answers Share Flag
Mon Mar 25, 2013
Barry Shapiro answered:
Hi Monica,
I hope your purchase went well for you in Old Town Camarillo CA. In the event you know of someone looking, I will be listing a 3/2 apx 1200 sf in the next few weeks, in Old Town. This mid-Century classic offers a 2-car garage, hard-wood flooring, newer dual-paned windows and a back yard.. . No HOAs, of course! ... more
0 votes 5 answers Share Flag
Wed Feb 3, 2010
Bonnie Sterling answered:
Just to add to anyone reading this post for informational purposes, so long after it was posted by the buyer...who hopefully has purchased a home by now.

I dont see where anyone mentioned that the listing agreement the Seller has with their listing agent is for the full commission, whatever amount that is. Then,the listing agreement may have condiitions about what part of the commission will be offered to the buyers agent. It almost never specifies an amount of commission to go to a buyer without representation. So a buyer without representation would not cause the terms of the commission to change to the listing agent.

Further, most listing agents would feel that their work to market the property attracted the buyer to the property, rather than the buyer being brought to the property by a buyers agent. After all, a buyer would not know about the property if it was not marketed. Most Realtors who list homes have had the experience of representing both the buyer and seller in a single transaction. In fact the first page that a buyer or seller should sign with a Realtor in California discloses the "expectation" of representation of the Realtor to the buyer, the seller or to both.

Another item for consideration is that Realtors act within the contraints of their brokerage. Most brokerages have a minumum that a Realtor can accept to work with any party, buyer or seller. So, asking for 3% back or off and representing yourself may not be something that the Realtor is authorized to do.

Perhaps you should contact the Realtor representing the property and ask them to represent you and write your offer and mention up front your request to be rebated part of the commission. This will allow them to know up front what the expectation you have is in working with them. Depending on the purchase price and type of transaction, it may or may not be a prudent business choice for that Realtor to elect to give you a rebate and in that case you could look for someone more appropriate for your real estate needs.

There is someone for everyone when you are hiring a professional. Remember too, sometimes you get what you pay for.
... more
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