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95621 : Real Estate Advice

  • All35
  • Local Info3
  • Home Buying21
  • Home Selling2
  • Market Conditions0

Activity 31
Wed May 3, 2017
Jody Chandler answered:
If you own both the home and the land, and it is being taxed as "real property" you can get a mortgage on the home. Mortgage interest paid throughout the year is tax deductible. If you paid any discount points (if you purchased or refinanced during the year) these can also be tax deductible. ... more
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Sun Feb 26, 2017
Bryan Arnold answered:
Sat Aug 13, 2016
rossbach3 asked:
Mon Jul 18, 2016
Jasacramento answered:
I'm currently in a mobile home and looking to get OUT because rent goes up every year. While tying rent increases with consumer price index might sound reasonable, bear in mind that Social Security is NOT tied to it, and, in fact, increases in Social Security are rare. Where I live, the rent increases 4% every year like clockwork. I currently pay $713/month. Increasing that by 4% each year means in 10 years, my rent will be $1,055, and in 17 years it will be $1,388. So whatever rent you are currently looking at, keep multiplying it by 1.04, and watch how it grows. Think about what will happen if the economy takes a nosedive and they increase your rent by 6% instead of 4%. You might want to think twice about buying a mobile, unless you can also buy the land that you will park it on. ... more
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Mon Jul 18, 2016
Onebirdee asked:
220 22nd Street NW Canton, OH
Is a colonial home in Ridgewood area.
0 votes 0 Answers Share Flag
Tue Jun 28, 2016
Derek Jones answered:
It depends on your loan. If you are getting a loan like an fha or va loan or stating owner occupied you usually have to move in within 60-90 days of closing. If you do a non-owner occupied loan which usually requires 20% down then it should be fine to rent it out until March 2017. Also HOA doesn't always go up each year. ... more
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Tue Jun 28, 2016
USMortgageRanger answered:
Getting pre-qualified is the initial step in the mortgage process, and it's generally fairly simple. You supply a bank or lender with your overall financial picture, including your debt, income and assets. After evaluating this information, a lender can give you an idea of the mortgage amount for which you qualify. Pre-qualification can be done over the phone or on the internet, and there is usually no cost involved. Loan pre-qualification does not include an analysis of your credit report or an in-depth look at your ability to purchase a home.

The initial pre-qualification step allows you to discuss any goals or needs you may have regarding your mortgage with your lender. At this point, a lender can explain your various mortgage options and recommend the type that might be best suited to your situation.

Because it's a quick procedure – and based only on the information you provide to the lender – your pre-qualified amount is not a sure thing; it's just the amount for which you might expect to be approved. For this reason, being a pre-qualified buyer doesn't carry the same weight as being a pre-approved buyer who has been more thoroughly investigated.

I would be delighted to provide you with some mortgage options, this does not require us pulling your credit and will allow you to make the best decision for your family. I can be contacted for a FREE no obligation consultation.

Lowell Sterling
Mortgage Banker
NMLS 968898
Phone 469-347-3572
... more
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Sun Mar 27, 2016
Scott Godzyk answered:
Trulia does not allow owners to post their homes for sale on Trulia, only licensed agents can post homes for sale here
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Fri Mar 20, 2015
answered:
Hello Eduardo, what are you trying to figure out? Do you have a home you want to rent out or are you looking for a rental? The rentals in 95621 start from $775 for 1bd 1ba apartment and currently start from $850 for 2bd 1ba apartments in 95621 zip code.

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. If you have credit issues, your credit scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

If you are looking for rentals 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. The purchase start from 94k for 2bd 1ba condo in 95621 zip code of Citrus Heights.

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 or Link.
... more
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Mon Mar 9, 2015
The Graveline Group answered:
Understand that ANYONE can post a rental. Trulia is only displaying 3rd party info, and there are ways for scammers to post fake listings on other websites which then get mirrored on trulia, zillow, realtor, etx.. When a deal seems too good to be true, it is.. ALWAYS verify EVERYTHING you see online with a local Realtor. Realtors adhere to a strict code of ethics which offers you consumer protection and piece of mind. Flag the listings and email fraud@trulia.com Browse the agent directory to find a well reviewed local Realtor. ... more
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Mon Apr 21, 2014
Jill Ottaway answered:
Lake View Village is a 5 star park, located off Van Maren and Oak Lake lane. It is also gated.
0 votes 6 answers Share Flag
Fri Jan 24, 2014
Wendy Zampardi answered:
A ball park figure for "other costs" is 3% of the loan amount for median price homes and some of those costs can often be pad by the seller, the lender, the agent or some one else on behalf the borrower. There is a much wiggle room with a generic scenario such as what you stated.
For FHA
Minimum Down Payment: 3.50% which can come from Immediate Family, Labor Union, Employer Group, Non Profit 501C3 and other down payment assistance
Up Front MI of: 1.75%, added to Loan
Monthly MI of: 1.25%
Maximum Loan Amount SFR: Loan amounts are set by counties. In many northern California counties, the limit is $580,000. Loan amounts above $417,000 have additional costs and or rate increases. In the San Francisco Bay Area, FHA loan limits are as high as $729,750.
Maximum Seller Concession: 6%
No minimum FICO requirements but most investors are holding to their own established minimum credit score corporate overlays

For USDA
100% financing with no down payment!
Property must be 8 acres or less
Property can’t have a pool
Flexible Underwriting!
Properties must be located in eligible rural areas (generally towns with a population of 20,000 or less that are removed from an urban area)
Income limits are 115% of the U.S. Median Income (for most counties, the 4 person household income limit is $65,000 maximum)
No cash reserves are required
Borrowers are not required to be first time homebuyers
No Loan limit restrictions
Minimum credit score of 620 from most lenders

For Veterans
No down payment required
Loan amounts up to $650,000
Must have DD214 with honorable discharge
Fairly reasonable underwriting guidelines
Must be owner occupied
Multi-Unit by two or more eligible veterans may consist of up to 6 family units
Bankruptcy and foreclosures do not necessarily eliminate veteran from qualifying– looking for 2 years in most cases
No cash reserves required
... more
0 votes 8 answers Share Flag
Sat Dec 7, 2013
Brian Nguyen answered:
The minimum down payment for an FHA loan is 3.5%. Along with this you will need closing costs and left over bank reserves available. The best thing for you to do is to speak with a lender directly about FHA loans. I would be glad to speak with you to help you get started on a loan. Well I hope this helps! If you have any further questions or if you would like a loan, feel free to contact me! Good Luck! Brian Nguyen Sr. Mortgage Banker NMLS # 659743 Phone: 949.667.2887 brian.nguyen@nafinc.com ... more
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Mon Oct 21, 2013
Deb answered:
There's on-line info about crimes in all areas. Maybe Sac Sheriff or Sac PD have info on their sites.
0 votes 3 answers Share Flag
Mon Oct 21, 2013
Deb answered:
some are listed in Trulia or craigslist. I'm looking also for a mobile home. It's nice to see it included in the hone details.
0 votes 3 answers Share Flag
Thu Aug 22, 2013
Randall Ortiz answered:
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