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94534 : Real Estate Advice

  • All26
  • Local Info3
  • Home Buying10
  • Home Selling1
  • Market Conditions1

Activity 15
Wed Mar 22, 2017
Sheryl Arndt answered:
Hello orshi.corpos, it depends on if you owned it 5 years or more and if the home you are speaking of is a rental or primary residence. Scenarios can be discussed as to down payment programs choices and fico scores requirements so you can make an informed decision.

The purchase in 94534 zip code for a 3bd 2ba single family home start from 370k.


You may consider 5% down Jumbo with a minimum 720 fico score from 424k up to 1.5 million and 10% down from a minimum 680 fico score and up to 2.5 million. You will need 20% down to purchase over 2.5 million.

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 any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA or CalVet loan specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 1 answer Share Flag
Sat Feb 20, 2016
Invstnlfp answered:
I work for a direct lender in the mortgage industry who offers conventional, FHA VA, and USDA loans in 47 states. Are lowest score we accept for government loans are 550 when most lenders require a 620 and brokers a 580. It has to be on a permanent foundation, built after 1976, with land included.You have to have two years of income with a score over 550 with bankruptcies discharge date 2 years and over. We have basic guidelines and a pretty easy process. Feel free to text me or call me anytime up to 10:00pm Eastern with any questions.
Brian Young 214-797-3479. NMLS#902687
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0 votes 4 answers Share Flag
Sun Jun 7, 2015
Scott Loney Alicia Worley answered:
I held the original office open in Eastridge when the development started in early 1990's. Mark Leclare, Wayne Greer, Debene Group, Jackson Homes, and then Loren Kelly(Premier Design Homes) and the Hoffemann Group started building Custom Spec homes. The Lots on the inside of Springridge and inside of Eastridge were selling to these builders for the Low $100,000.'s and the Outside Lots with views of Green Valley went for the high $180,000+ depending on the view and size of the lot. Prices gradually increased from 1992 all the way through to the 2007 peak. In the early 2000's a decade later the next phase of Eastridge opened up and much bigger homes on even bigger parcels and those lots starting selling in the mid $250,000.00 Dollar range just for the Land. Premier Homes built several homes that were $1.3 Million dollars and up. I know this because I sold these homes back in 2002,2004,2006 and I even sold one of those custom homes for over $2 Million Dollars. Eastridge suffered price depreciation just like the rest of the Country did from the calamity of poorly written Loans, 5 year ARMs in 2003 and then the lenders preached that they had even a better product in 2005 called the 3 year ARM. It was inevitable that the market was going to suffer some repercussions from these poorly written Loan products. A large majority of buyers from 2003 to 2006 purchased homes with this loan product. When 2008 came around all of those buyers or borrowers were told that the banks would not refinance them into a different product as there interest Rates started to increase. We have have come full circle in this Market and my Partner and I Alicia Maginnis have recently placed a home in Contract for very close to the $1.5 Million dollar price range. I think that it is fair to say that the Market has made a come back and we are nearly back to the Peak prices of 7 to 8 years ago. With interest Rates at an all time low and people buying with fixed rates and not Adjustable Rate Mortgages the Market in Eastridge should stay very stable for the next several years to come. ... more
0 votes 6 answers Share Flag
Thu May 22, 2014
Kathy Luebcke answered:
Hi - Market values have significantly increased since you asked this question - it may be worth getting a complimentary market analysis. In some cases the values are close to the peak. Eastridge is doing well with homes selling from 800K to $1.69M plus on a typical sized lot. Homes with acreage are going for more. This area and interest has picked up do to the great schools and beautiful wine country on both sides. Most recently Gallo purchased a winery in Suisun Valley and Caymus who produces a world class cabernet recently both vineyard land in Suisun/Green Valley. I would be happy to provide a complimentary analysis for you. I live and work in the area and have sold homes in East Ridge and Rancho Solano! 707-280-5753 or shownapa@yahoo.com ... more
0 votes 2 answers Share Flag
Wed Sep 4, 2013
Brian Nguyen answered:
It is great that you are seeking an FHA loan. An FHA loans has great benefits such as low closing costs, low down payment, and it's easy credit qualifying. I have given out plenty of FHA loans throughout California. I can offer great rates, quick response times, and friendly service. Although you do not plan to get the loan until early 2014 it is never to early to talk to a lender like myself to help guide in the right direction for the upcoming months. So give me a call so I can prepare you for your upcoming buying process.

Well I hope this helps! If you have any further questions or if you need a loan, feel free to contact me. Also, if you found this helpful please leave me a recommendation if you can!

Good Luck!


Brian Nguyen Sr.
Mortgage Banker
NMLS # 659743
Phone: 949.667.2887
brian.nguyen@nafinc.com
... more
1 vote 8 answers Share Flag
Wed May 8, 2013
Steven Ornellas answered:
Hi Heather, Re: "Some sites show sold others show still for sale."

There's a very good reason why you are getting conflicting info:

MLS Data Accuracy – Where to search if you’re “without Realtor®”
http://tinyurl.com/ctr4d44

-Steve
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0 votes 4 answers Share Flag
Wed Mar 27, 2013
Mariam Khugiani answered:
Your probably looking at the Pre-foreclosure list,
Some will come up as foreclosures, some will end up at auction, and some will end up as a short sale or loan modification...
0 votes 3 answers Share Flag
Wed Feb 20, 2013
Aaasg7 asked:
Mon Oct 8, 2012
Sameer Punjani answered:
First find out if you can buy w/o the rent to own option. Jai Ramaiya is my loan officer and she can help you with anything. Her direct line is 707-456-7334 or at http://www.707456refi.com

Thanks
... more
0 votes 2 answers Share Flag
Sun Sep 2, 2012
Kathy Luebcke answered:
Cordelia, Green Valley and Rancho Solano are nice communities to the northern side of Fairfield.
Cordelia can be very windy should you decide to relocate there. Just 10 minutes away in Green/Suisun Valley you will find a small microclimate similar to weather in Napa except less Fog in winter. There is no noise that I am aware of from the trains. Occasionally you see airplanes from Travis flying over and typically they are high enough there is no noise. This area off Highway 80 is a great location for commuting to SF/East Bay or Marin. ... more
0 votes 3 answers Share Flag
Fri Jan 20, 2012
Olga Cisneros answered:
Hi Pauline,

In Solano County, the golf course that is guard gated at the entrance is located in Vallejo CA. The area is called Hiddenbrooke. As for Catholic Churches and library locations, a little driving is required. I am available, if you are looking for a Realtor in the Solano area. I am here to help with your real estate needs! My contact information is below.

Olga Cisneros (R)
Re/Max Gold
707.685.4764
... more
0 votes 3 answers Share Flag
Thu Feb 10, 2011
Bob Movin-On answered:
If the property was foreclosed on and title is now in the name of another party you will need to leave, lawsuit or not. Yes they say possession is 9/10's the law but in the case of a home possession mean the title not occupancy. Be careful some day a sheriff or marshal of the court will show up change the locks or remove your property then you will be chasing after that.

Your lawsuit for unlawful foreclosure if by a slim chance you win would net you compensation not the home. If you miss one payment you are in default of a mortgage so over turning even the most botched up case is difficult.

We have about 24 cases in this same situation, some were able to drag out eviction because law enforcement was sympathetic but eventually they were forced out.

Good Luck
Bob Patrick
Buy a home after foreclosure expert
Movin-On LLC
Helping families/people that have lost their homes get back into another in as little as 6 months.
... more
0 votes 7 answers Share Flag
Mon Jan 24, 2011
Bill Hays answered:
With a short sale, you are hardly negotiating with the seller. In many cases, with the deficiency laws in CA as they are, it really doesn't matter to many sellers what the sales price is. It matters to the bank. If an agent cuts their commission, the proceeds go to the bank, not the seller and certainly not the buyer.

If you sign up with the listing agent, their fiduciary responsibility is not equal to you and the seller. You do not get the same representation as you would with your own buyer's agent. Bottom line, you seem to want feel you are in control. If you feel you drive a better bargain by going straight to the listing agent, that is great, because feeling that way is important to you. I am sure they will make you feel good about yourself and your perceived sense of power over the deal as well with all the smoke and mirrors that goes on. You will never know the difference.

With short sales, the buyer is in the passenger seat. Because of the bank's involvement, you don't really have as much leverage as you seem to feel you have. A buyer's agent who is loyal to you will cut through all of this clutter so you can make real decisions based on real facts. BUT, you will have to be loyal to them.

Gotta kick into the karma kitty to get something out of it.

BeachBrokerBill
DRE#01775528
... more
1 vote 24 answers Share Flag
Wed Aug 19, 2009
Deanna Fortney answered:
Buyers often walk away. My client just moved into first position because the first buyer just couldnt wait any longer. In the old days an offer was it and it went contingent. Active was supposed to mean the house was available. Today it may mean the agent is waiting for a call and something better before they decide, if at all, to change from active to contingent status. Your agent was either sitting on the offer or the negotiator was sitting on it and gave the agent no time to get it to you. Highly unlikely but possible. Your agent may not be staying on the ball. Can't say how you could intercept since your agent is not getting you the offer in time to counter. Clearly you need someone to work for you. Good luck with it. ... more
0 votes 6 answers Share Flag
Tue Apr 1, 2008
Rich Steiner answered:
There are many reasons a new home may not be acceptable to a buyer besides unnoticed powerlines.You may find many things lacking in the building process and although the attorney advice is almost mandantory to take the difficulty of getting back your dep.osit should not be too difficult ... more
0 votes 5 answers Share Flag
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