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95648 : Real Estate Advice

  • All32
  • Local Info2
  • Home Buying14
  • Home Selling1
  • Market Conditions2

Activity 28
Thu Feb 23, 2017
Jenmallinson71 asked:
Moved from Canada 8 months ago and our rental lease is done April 31 and we would like to buy a house. what % would we need to put down. (Northern California )
0 votes 0 Answers Share Flag
Sat Jan 21, 2017
Poodeesmail asked:
My child can't play outside and landlords in nice neighborhoods of Sacramento county discriminates on section 8, not thinking some have it as a protection from homelessness if a disability…
0 votes 0 Answers Share Flag
Mon Dec 12, 2016
Rich Reed answered:
I don't know why you couldn't. You should ask the listing agent to explain. If the listing agent doesn't know, you should ask the listing broker, maybe ask your broker, too. In CA, there can be issues with buying for your own account and claiming the selling agent commission (Horning v. Shilberg (2005)
130 Cal.App.4th 197). Best of luck!
... more
0 votes 1 answer Share Flag
Tue Mar 8, 2016
Arpad Racz answered:

I think you would put it on Zillow as a FSBO.

Kind regards,

0 votes 2 answers Share Flag
Sun Aug 30, 2015
Melissa Wiggans answered:
Short sales can take some time and definitely require a bit of patience. Your agent should be able to advise you about where you stand in the process.
0 votes 4 answers Share Flag
Wed Apr 29, 2015
Sheryl Arndt answered:
Hello Rick, where did you see this listing and was it a rental or for sale? It is not showing up for sale/rent in the mls or tax rolls.

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 95648 zip code of Lincoln start from 124k for 2bd 1ba cottage/bungalow, 149k for 2bd 2.5ba condo and the single family homes start from 169k for 3bd 2ba home which is as low as $850 down payment with a minimum 580 fico score @169k.

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
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7 or

If my response was helpful, consider clicking Thank, Link or Best Answer.
... more
0 votes 3 answers Share Flag
Thu Jan 1, 2015
Luca Comi answered:
Kim's Country Kitchen is a great traditional breakfast place.
0 votes 9 answers Share Flag
Mon Jul 21, 2014
Shannon Chavez asked:
Thu Jul 3, 2014
Derek Jones answered:
Does it have to be a home, or would an apartment also work?
0 votes 1 answer Share Flag
Tue Jun 11, 2013
Tammy Spillers answered:
You can go to my website and get the information you want on any of the Northern Ca markets.
0 votes 4 answers Share Flag
Mon May 27, 2013
Jeff Marr answered:
Teerio - what's your address and loan amount?

And what's your current employment/living situation?

And how are you getting your value estimate?

And what index is your adjustable mortgage tied to? Most indices are lower vs origination date, your payment could easily be going down...

Our local market wasn't even this hot back in '05, I really feel like you're using outdated information to base the amount your upside down....

If you follow through on a short sale, more than likely missing mortgage payments along the way, you'll effectively be locked out of purchasing another home for 3 yrs, only 2 yrs if you have 20% down.

You need to sit down with a loan officer to help with the above questions, and I'd be honored if you considered me.

Please let me know if I can be a further resource for you!

Best of luck, Jeff
... more
0 votes 7 answers Share Flag
Mon May 27, 2013
Robert Chomentowski answered:
There is nothing you have to do with your mortgage. Make sure you change your insurance policy to a investment property plan.
0 votes 4 answers Share Flag
Wed May 15, 2013
Eddie Martini answered:
Unless you are looking to refinance out of a 5.5% or higher interest rate on your current loan OR need to access equity to move to your new location you can convert the property to a rental on most loan types without refinancing.
Let us know some more details as you may have your problem solved without having to do anything!
... more
0 votes 5 answers Share Flag
Thu May 2, 2013
Eddie Martini answered:
Lincoln area is what I do please feel free to send a private message here on Trulia or to so we can better serve your RE needs.
0 votes 5 answers Share Flag
Thu May 2, 2013
Eddie Martini answered:
Laura thank you for your service to our country! I am very proud to represent VA Buyers in the northern Ca area and specialize in the areas you have interest in they are prime locations to being stationed at Beale AFB.
If you are still in need of relocation please let me know.

BHR Park Place Lincoln Area Specialist
... more
0 votes 8 answers Share Flag
Wed Apr 10, 2013
Eddie Martini answered:
Wed Apr 10, 2013
Eddie Martini answered:
Do you mean REAL as in ACTIVE and ON THE MARKET? Or are you talking about REAL as in REALLY GOING TO THE AUCTION?
0 votes 5 answers Share Flag
Wed Apr 10, 2013
Eddie Martini answered:
Yes there where LOTS of them now not so many. ARe you or where you looking for investment purchases or primary resident?
0 votes 4 answers Share Flag
Mon Sep 10, 2012
Morgan Larson answered:
Swaps are tough because rarely do two people want the same thing and have homes of equal value. You might try posting to Craigslist. I have seen posts for home swaps on there.

If that doesn't pan out, I'd be glad to help you figure out another plan to accomplish your goals. Call me anytime at 916-241-8788. ... more
0 votes 1 answer Share Flag
Fri Aug 24, 2012
Anthony Alfano answered:
You can check out our website: I live in Twelve Bridges and we often have new properties. You can also subscribe to get immediate notifications of new listings.
0 votes 9 answers Share Flag
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