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94582 : Real Estate Advice

  • All189
  • Local Info34
  • Home Buying96
  • Home Selling13
  • Market Conditions3

Activity 168
Mon Aug 14, 2017
Susie Kay answered:
I would suggest that you pick up the phone and talk to a local realtor to assist you.
0 votes 1 answer Share Flag
Tue Aug 1, 2017
answered:
Any private money lender/hard money lender should be able to work with a 65% loan to value. Private money rates are currently around 8-10% depending on the lender and situation. Much higher than conventional but the loans are easier to obtain and can fund much faster. https://www.northcoastfinancialinc.com/private-money-lenders-private-money-loans/ ... more
0 votes 9 answers Share Flag
Mon Jul 17, 2017
Bllanosjr answered:
Usaa is amazing. It's the agents that we're forced to use that needs better training. They now very little, and I ended up doing most of the work.
0 votes 59 answers Share Flag
Mon Jun 12, 2017
answered:
Yes, yes and yes in CA 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.

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.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
Credit Repair Advice At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 15 answers Share Flag
Mon May 8, 2017
answered:
A $750,000 purchase with 30% down is possible BUT the borrower must be able to verify their income (W2s or tax returns) and remain below a certain debt to income ratio if the property is going to owner occupied. This required due to current federal regulations and even hard money lenders must comply. https://www.northcoastfinancialinc.com/hard-money-lenders-california/vallejo-hard-money-lenders-loans/

There are not many hard money lenders in California able to provide owner occupied hard money loans but North Coast Financial is one.
... more
1 vote 16 answers Share Flag
Thu Apr 6, 2017
Susie Kay answered:
It's up to you whether you'd like to hire an agent to represent you or not. There's always pros and cons on every transaction.
0 votes 5 answers Share Flag
Mon Feb 27, 2017
Yairefonseca1977 answered:
I have sec 8 in queens and all the real estate and landlord treat me like dirty I feel embrass to say I have a vocher I'm about to be homeless and no one seems to care
0 votes 32 answers Share Flag
Mon Sep 19, 2016
answered:
We offer 3% down LPMI conventional financing for primary residences in all 50 states. We can compare LPMI vs. BPMI to determine what is the better option for you. I'd be happy to help.


Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans.com | 949-322-3616 direct
... more
0 votes 1 answer Share Flag
Fri Aug 26, 2016
Nazy.moradkhani asked:
Hi. I listed my property for Rent on Zillow and it propagated it to Trulia. Now I want to make changes directly on Trulia, mainly to the images. How do I do that. changes on zillow are…
0 votes 0 Answers Share Flag
Mon Jan 25, 2016
Jananderson answered:
If you are house hunting, or planning to sell, in the Omaha, Nebraska metro area (located near Offutt Air Force Base) we have a Military Assistance Program that not only meets, but exceeds the USAA Movers Advantage refund, and no one benefits other than the buyer/seller. Feel free to contact us directly;
http://www.OmahaHomeEquityGroup.com.
... more
0 votes 2 answers Share Flag
Wed Dec 23, 2015
Arpad Racz answered:
Hi Jenny,

I would agree with Susie. It is tough to predict the market with any certainty.

Kind regards,

Arpad
0 votes 4 answers Share Flag
Wed Apr 22, 2015
Simon Watson answered:
Try the Dirtbokers

Ron Carter
Office: (925) 279-2222
Fax: (925) 279-1098
DRE License #00428869
http://www.dirtbrokers.us/

Simon Watson
Keller Williams Realty-East Bay
0 votes 1 answer Share Flag
Mon Apr 28, 2014
Joyce Chiu answered:
All I can say is that I have been a resident here in San Ramon for more than 10 years, you cannot go wrong a home or a townhouse in San Ramon. Due to lack of inventory, that is driving the prices up. I can honestly say that while prices are up, rates are still very low. Best suggestion is to take a look at some of the homes in San Ramon and see what fits your needs and your current lifestyle. One of the advantages of a Single family home is most won't have HOA (Homeowners Association Fee) All Townhouses will have them.

Hope this helps. Call if you have any other questions, glad to help!

Joyce Chiu
925-683-2270
... more
0 votes 7 answers Share Flag
Mon Apr 21, 2014
answered:
The new lender will utilize 75% of the rent schedule the appraiser calculates. This will be used as extra income for qualifying for that rental.
You may put as little as 15% down on an investment property.
You will need to show 6 months cash reserves of PITI for each property.
... more
0 votes 1 answer Share Flag
Thu Apr 3, 2014
Brian Nguyen answered:
Yes, this is a possible option for you. You may be able to take out cash from your IRA for a down payment, but the penalty may depend on your age since there is an age restriction to pulling out money. Also, there are other low down payment mortgage options that you should consider if you want to avoid taking out money from your IRA. FHA mortgage have options as low as 5%. Either way, the best thing for you to do is to speak with a knowledgeable lender to see if you can get started on financing a new home. If you need additional assistance, feel free to reach out. Good luck!

Brian Nguyen
Sr. Mortgage Banker
NMLS # 659743
Phone: 949.667.2887
brian.nguyen@nafinc.com
... more
0 votes 5 answers Share Flag
Tue Apr 1, 2014
Ali Qureshi answered:
Tue Feb 25, 2014
Kevin and Julie McLaughlin answered:
Everything is negotiable, but close scrutiny is required on all offers... You don't want to kill a good deal over a few dollars - right?
0 votes 9 answers Share Flag
Thu Jan 30, 2014
Helen Ivanov answered:
It all depends on your needs and ability to qualify and pay monthly payments. Gale Ranch area has approximately 1.4%property tax rate vs Windemere area that has approximately 1.7% property tax rate. In your example lets see the numbers:
1. The difference in price of $25,000, assuming 4.5% rate leads to the extra monthly payment of about
$127
2. The difference in HOA dues is $117
3. Combining 1 and 2 together gives us only $10 difference in monthly payments between 2 properties
but after looking at property taxes the picture changes
4. Due to tax rates the monthly property tax for the town home in Windemere will be about $140/month higher than single family home in Gale Ranch
Therefore monthly payments for the town home in Windemere will be about $150 higher.
But considering that it is over 500 sq ft larger than the Gale Ranch home, only you can decide what is more important for your family.
Both communities are very nice with good schools. If you do not need more space and 1,596 sq ft is enough for your family, I would recommend the single family home, they may appreciate better over time , but it is a very personal opinion.
Please let me know if I can answer any other questions. Helen 925-997-1994
... more
1 vote 7 answers Share Flag
Mon Jan 20, 2014
jesus7347 answered:
even if your house is over30years old will the court still have blueprints on the house?
0 votes 7 answers Share Flag
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