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Home Buying in 93304 : Real Estate Advice

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  • Home Buying4
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Activity 3
Fri Oct 20, 2017
Faith answered:

I have emailed you regarding this concern.

Thank you for using Trulia!

Consumer Care Advocate
0 votes 1 answer Share Flag
Wed May 18, 2016
Hello tealbakersfield, you may qualify to buy with minimum out of pocket expenses with the 3%-5% Sapphire Grant down payment assistance program from a minimum 620 fico score.

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 be pre-approved to be able to meet an agent to submit offers on homes of your choice. 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.

The purchase in 93304 zip code of Bakersfield start from 120k for 2bd 1ba single family home, 129k for 3bd 1ba and 145k for 4bd 3ba home.

Click on my profile for website links.
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
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0 votes 2 answers Share Flag
Wed Feb 19, 2014
JoElla Deliberto answered:
I would not estimate. Each town has a tax office and this is public record.
Here in New York, the taxes are broken down by town, county, and school district. Find out the current taxes with out any exemptions, such as a VA exemption, should be easy to get without guessing.
JoElla Deliberto, Associate Broker, Houlihan Lawrence real estate, Rt. 6 , Jefferson Valley, NY 10541
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