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95219 : Real Estate Advice

  • All34
  • Local Info0
  • Home Buying18
  • Home Selling4
  • Market Conditions2

Activity 31
Wed Nov 30, 2016
Hong asked:
Tue Aug 4, 2015
Randy Stoker answered:
All listings featured on Trulia were originally posted by the Realtor who input the data into their respective MLS data base. Contact your Realtor and make the correction there; Trulia will pick up the new data within 72 hours and adjust their listing information. ... more
0 votes 1 answer Share Flag
Tue Jul 21, 2015
Cindy Davis answered:
Ask Your Listing Agent to Post it. You CAN post your own home on Zillow.
0 votes 2 answers Share Flag
Fri Apr 17, 2015
Anna M Brocco answered:
Be aware that scams do exist; be mindful that such web sites are third party sites, they are not real estate companies and used for advertising purposes; the information is fed by various sources, therefore data is not really verified. If you choose not to work with an agent of your own always verify ownership before exchanging any money/personal information--make certain they are who they claim to be. Never wire any money, if it sounds too good to be true, it is. For scam related information see link.
http://www.consumer.ftc.gov/articles/0079-rental-listing-scams
... more
0 votes 3 answers Share Flag
Fri Apr 17, 2015
answered:
Hello Angela, you should flag it to be removed immediately. You can do so by clicking the flag button on the post or "more" and there is a drop down to flag and put in your information to have it removed.

Beware of the many rental scams out there these days on all sites. The scams are on all of the rental listing sites except one that us agents/broker use such as mls, multiple listing service.

You should not give anyone any funds or personal information without confirming with a licensed agent/broker or management company to find out whom you should be dealing with and the status of any address of interest.

The inventory is quite low for rentals in the 95219 zip code of Stockton and the start from $1,495 for 3bd 2.5ba single family home. The purchase start from 69k for 1bd 1ba condo, 119k for 2bd 2ba condo on the water, 132k for 3bd 2ba condo which is as low as $660 down payment with a minimum 580 fico score @132k.

You should study RENT vs BUY options as you may qualify to buy with minimum out of pocket expenses and pay less than rent in many cities. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

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.

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, home price, loan program and how much you want to invest into the down payment and closing costs.

You may qualify to buy FHA with 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. You may consider 3% down conventional from a minimum 620 fico score.

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.
... more
0 votes 4 answers Share Flag
Fri Apr 17, 2015
answered:
Hello Julie, that address is not coming up as a rental and the last name of the owners trust is Santos.

Beware of the many rental scams out there these days on all sites. The scams are on all of the rental listing sites except one that us agents/broker use such as mls, multiple listing service.

You should not give anyone any funds or personal information without confirming with a licensed agent/broker or management company to find out whom you should be dealing with and the status of any address of interest.

The inventory is quite low for rentals in the 95219 zip code of Stockton and the start from $1,495 for 3bd 2.5ba single family home. The purchase start from 69k for 1bd 1ba condo, 119k for 2bd 2ba condo on the water, 132k for 3bd 2ba condo which is as low as $660 down payment with a minimum 580 fico score @132k.

You should study RENT vs BUY options as you may qualify to buy with minimum out of pocket expenses and pay less than rent in many cities. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

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.

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, home price, loan program and how much you want to invest into the down payment and closing costs.

You may qualify to buy FHA with 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. You may consider 3% down conventional from a minimum 620 fico score.

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.
... more
0 votes 1 answer Share Flag
Fri Feb 21, 2014
Dorene Slavitz answered:
Call your lender and modify your loan. Your only other option is to short-sale the property, but currently lenders are working with homeowners to prevent this.
0 votes 3 answers Share Flag
Fri Sep 27, 2013
Wilfredo Urbina answered:
I am a eviction paralegal in Stockton, CA. I know the process and judicial forms in order to do a speedy eviction. I have just completed a eviction for a landlord that had a similar situation like you. I have 7 years of Fair Housing training having worked at San Joaquin Fair Housing. If you have any questions, feel free to email, call, or text.

Wilfredo Urbina- Broker/Realtor/Notary Public
Urbina Properties
BRE#01911190
Notary Commission#2029004
209-275-4192 Cell
209-684-0099 Fax
urbinaproperties@gmail.com
facebook/urbinaproperties
... more
1 vote 8 answers Share Flag
Sat Jul 6, 2013
Kirk Dall answered:
Hi Toki,

One of the best web sites that you can look at what is currently listed for sale is www.metrolistmls.com. You can fine tune your search perimeters and see only the homes you would be interested in buying. You can also find listings at other web sites including Craigslist, Zillow, and here on Trulia.

Another suggestion I would offer is to find and work with a good Realtor. There are many steps involved in purchasing a home that your Realtor can help you get through. It's the Realtor's job to help find you the house that you want and guide/advise you through the process in buying it.

I would be happy to help you find a house if you are interested. Please give me a call at 209-914-2968.
... more
1 vote 2 answers Share Flag
Wed May 22, 2013
Rick McGrath answered:
Prices are on the "Up Tick" as you put it. Due to still very low interest rates and low inventory. Tens of thousands of homes were lost to the housing crash. Many of these who once owned a home, are now ready to reenter the market to own again. Prices should continue to move upward at a modest pace for awhile longer before the market balances out. ... more
0 votes 5 answers Share Flag
Thu Jan 10, 2013
David McKeever answered:
Hi Stacey4foley,

The California Homeowner Bill of Rights became law on January 1, 2013. It contains a restriction on dual track foreclosure: Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed.

This could be one reason.

http://oag.ca.gov/news/press-releases/california-homeowner-bill-rights-signed-law
... more
0 votes 4 answers Share Flag
Mon Sep 3, 2012
Elwood Humphries answered:
Supply and demand, there's a lot of other nice areas like Spanos
0 votes 5 answers Share Flag
Mon Sep 3, 2012
Elwood Humphries answered:
It really depends on if your current now and have been current, if you've been paying late or are behind now, that will affect you more than doing a short sale. If your current and never been late, you can sometimes buy again very soon after a short sale. If your still dealing with the hardship that caused you to need to do a short sale, then you may not be in a position to buy again in the eyes of the bank. I know a banker that can advise you. Contact me, let a banker I know give you the real answers, then if a short sale is your best option, I can help you with that too. ... more
0 votes 6 answers Share Flag
Mon Sep 3, 2012
Elwood Humphries answered:
Typically it's 3 years after the bank puts the property back into their name, usually about 6 to 8 months after you think they should have. I can look up when it actually recorded in their name.
During the 3 year waiting period you need to be building your credit and fixing old issues. I work with a banker that can tell you exactly when you'll be ready and groom your credit by advising you what to do and not to do. The interest rate will really depend on what's gone on since your foreclosure. Contact me and I can put you in contact with this banker I know.
Elwood Humphries PMZ Real Estate ehumphries@pmz.com
... more
0 votes 5 answers Share Flag
Mon Sep 3, 2012
Elwood Humphries answered:
A short sale isn't always a home headed for foreclosure, it's simply a home for sale with a value less than it's mortgage balance. Most are headed that way, and haven't made payments for months or years, but it isn't a requirement. The banks are slow now to issue the notice of default, once it's issued, they can do the trustee sale 120 days later, but it may take a lot longer. ... more
0 votes 6 answers Share Flag
Fri Aug 24, 2012
Cindy Davis answered:
Really, really sorry to hear that....I must be honest...I like the informational nature of the website. For actual listings of both sales and rentals, there are other sourced that i think offer more up to date information.


Take care.
... more
0 votes 2 answers Share Flag
Thu Dec 1, 2011
CJ Brasiel answered:
Doll -

Review the loan modification paperwork with a real estate attorney and local loan officer before signing. Understanding the details, whether or not this is a recourse/non-recourse situation, as well- predictions on recouping the $46K in future appreciation.

Good luck!
CJ
... more
0 votes 9 answers Share Flag
Mon Jun 6, 2011
John Arendsen answered:
Wed Apr 20, 2011
Liz Noriega answered:
Your best bet is to contact an area real estate attorney or Fair Housing Authority for a complete review of your contract. Depending on where you live you might have up to 60 days from notification to move. In the meantime, not all homes sell at auction so you might have some time! Good Luck ... more
0 votes 1 answer Share Flag
Mon Apr 19, 2010
Scott Godzyk answered:
Nikki by having a buyers agent who is looking out for your best interest can contact the listing agent, find out what the contingincies are and see if they are accepting back up offers now and keep you informed of changes with the listing. goo dluck with your purchase. ... more
0 votes 3 answers Share Flag
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