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95825 : Real Estate Advice

  • All22
  • Local Info8
  • Home Buying5
  • Home Selling0
  • Market Conditions0

Activity 16
Thu Feb 23, 2017
answered:
Hello Toni, you can by 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 you can be emailed listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Are you looking for rentals or purchase? Do you have down payment and closing costs or do you need down payment and closing cost assistance where you can buy with minimal out of pocket expenses.

The rentals in 95825 zip code start from $670 for 1bd 1ba apt, from $930 for 2bd 1ba apt, from $1,495 for 3bd 2ba apt and ths single family homes start from $1,195 for 2bd 1ba home.

http://www.realtor.com/apartments/95825/type-single-family-home,condo-townhome-row-home-co-op,apartments/affordable

The purchase in 95825 zip code start from 117k for 1bd 1ba condo, from 119k for 3bd 2ba condo and the single family homes start from 157k for 3bd 1ba home.

http://www.realtor.com/realestateandhomes-search/95825/type-single-family-home,condo-townhome-row-home-co-op,farms-ranches,multi-family-home/pnd-hide/sby-1

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/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
Thu Jun 16, 2016
Mark Sivek answered:
I highly suggest you carry maximum liability insurance and require the tenant to do the same with their renters insurance. This is relatively inexpensive. I checked with State Farm. I would require the homeowner be an additional INTEREST on the tenants policy so that if it should lapse the home owner is notified. ... more
0 votes 8 answers Share Flag
Thu Nov 13, 2014
Johndorian answered:
Who cares? Trullia isn't a site to live by it's a website on the internet.

Maybe it did sell for 91,000 in december 2013 to a flipper who just doubled their money off a fool.

It's also possible that it's listed as 3 bedroom because what you consider a 4th bedroom is actually an office or not technically a bedroom. What does the tax records say it is. ... more
0 votes 3 answers Share Flag
Mon Nov 10, 2014
Kevin Timothy Thomas answered:
My neighborhood is VERY SAFE, 2425 Tab Ct , Sacramento CA 95825, FOR ALL AGES
0 votes 2 answers Share Flag
Wed Oct 30, 2013
Jaime Becker answered:
Hi Frankie

Another good way to find rentals is to drive around the area you want to live in and just call the numbers on the sign. Sometimes when asking on this site you may not get a response unless you go directly to the property managers site. The best thing to do is to call though. Good luck! ... more
0 votes 1 answer Share Flag
Tue Jul 16, 2013
Bev West answered:
Unfortunately there is a lot of rental fraud going around. Make sure you check the BBB and don't send any money until you have verified the rental is legitimate.
0 votes 4 answers Share Flag
Wed Jul 3, 2013
answered:
Well there have been a lot of good answers and many from realtors. I would say you need your realtor and your lender working together on this one.

The thing is there are a number of subtle differences, the questions need to be asked.

If all we have is the minimum down, where are the closing costs going to come from, that is assuming you do not have the money for those.

1. Your agent can negotiate for the seller to pay these when they make your offer.

The problem is that the competition fof houses is such doing so can hamper your ability to get and offer accepted.

2. As a lender, I can raise your interest rate a little bit and make your closing costs go away. This has been a good option lately as mathematically it makes sense to pay say $20 mor a month rather than pay the $2000 in closing costs.

On conforming mortgages the interest, taxes and insurance really needs to be paid for by you. But when you consider the mortgage insurance options it is a better deal than going FHA. But, on FHA the seller can pay these items or I as the loan officer can pay for them out of rebate.

Based on the price I may guess that the home may qualify for USDA financing. This has no money down and lower MI costs than FHA. Also if you happen to be a vet, that is the best deal of all.

If you like give me a call and I can tell you if you can get the USDA loan.

Rich Littlefield
949-930-1210
WCS Lending
nmls 287206
... more
0 votes 8 answers Share Flag
Fri Jun 28, 2013
Mike Garozzo answered:
Hello. At that amount you wish to pay, you should look at about $185,000 to low 190s. Rates have gone up recently. Some parts of Citrus Heights have pretty nice neighborhoods. Carmichael is a good bet also. 95821,95825, 95826 & 95827 may be a good bet as well. Part of this is College Greens area. Howe avenue to past Fair Oaks near Folsom Blvd. A $185,000 purchase puts Principle & Interest at about $937.37, leaving room for your taxes and insurance and mortgage insurance if you are going with an FHA loan. Probably stay close to $185 as you can. Hope this helps
Mike Garozzo, Capitol Home Brokers.
... more
0 votes 9 answers Share Flag
Fri Apr 15, 2011
Sheena Reithmeier answered:
Good Morning,

Depending on where in the 95825 you reside this map should help you determine the best route.

http://www.sacrt.com/systemmap/A1.stm

From this page you can select the light rail map and determine how to get from A to B and back again.

http://www.sacrt.com/systemmap/images/lrlegend.gif

The Home Page for Sac RT website: http://www.sacrt.com/

Good Luck!

-Sheena

P.S. Thanks for taking public transportation! Great for our community and our environment. ;)
... more
0 votes 2 answers Share Flag
Fri Jan 1, 2010
Jim Walker answered:
If you click the link below, there are a bakers dozen that fit the criteria: No older than ten years old sq feet between 2400 to 4000 price range 400K to 800 K in Sacramento and Folsom

http://prospector.metrolist.net/scripts/mgrqispi.dll?APPNAME=Metrolist&PRGNAME=MLSLogin&ARGUMENT=Ok7KmNi58nbInAxeCH8GTWCOVuOIt6KrTS7T96ZO/YY%3D&KeyRid=1&Include_Search_Criteria=on
... more
0 votes 1 answer Share Flag
Tue Feb 3, 2009
Erin answered:
Dear Taza Guru: There are no guarantees in real estate investing, except that real estate investing has historically been the best hedge against inflation. When analyzing a real estate invesment, there are several indicators that can easily be calculated. Capitalization rate, cash on cash, return of and on investment, before tax cash flow, after tax cash flow, vacancy rate of rentals in the area, and average market rent of other comparable investments. You just need to decide what your goals are for all of the above indicators of investment value and purchase only investments that meet your personal criteria.

If you are just starting out in investing in real estate, congratulations to you. Put yourself together a team of an accountant, attorney, Realtor and if you need it, a property manager. Some people prefer to manage their properties themselves.

There are books to read on this subject. The worst thing you can do is go into real estate investing uneducated.

Good luck--I hope your journey is delightful.
... more
1 vote 3 answers Share Flag
Sun Dec 7, 2008
Ute Ferdig answered:
Hi Taza. One of the main reasons why you did not get an accepted offer is because you are competing with cash buyers. Many of the properties in the zip codes you listed are bank owned and banks prefer all cash offers. That does not mean that you can't buy with a loan. It will just take longer and you'll have to be patient and willing to go above asking price to make your offer stand out. Don't get discouraged.

My recommendation would be that you work with a technology savvy real estate agent in this area who is willing and able to watch the market for you with an eagle's eye and write up offers quickly when properties come on the market that match your criteria. The great majority of the properties worth buying are snapped up within days of coming on the market. I would also highly recommend that you keep your pre-approval letter current. A bank will not take your offer seriously if your pre-approval letter is several months old. Keep it fresh. It's a numbers game. The more offers you submit, the better your chances are at getting the winning bid.
... more
0 votes 2 answers Share Flag
Sat Dec 6, 2008
Jim Walker answered:
If you want a larger house or larger lot for your money you might look eastward to Roseville, Rocklin and Granite Bay. All these towns have great lifestyle and school reputations. One downside is the extra 20 to 30 minutes of commuting time into Sacramento than the closer in areas mentioned. ... more
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Wed Jul 2, 2008
Maria Avdalas answered:
Most banks are asking for 25% to 30%. The better your credit score and the more money you put down, the better loan you will find. If you need a loan broker, I have an excellant person I work with and he always works hard to find my clients great loans. ... more
0 votes 11 answers Share Flag
Sat Jan 19, 2008
Michelle Lynam answered:
You bet! This is an Active Adult mecca with over 15,000 homes in approximately 16 gorgeous communities in the Sacramento Region. Sun City Lincoln Hills, Sun City Roseville, Springfield at Whitney Oaks and Four Seasons in El Dorado Hills are just a few. This area is perfect for seniors. Great medical care, the "user friendly" Sacramento International Airport, cultural opportunities galore and many outdoor recreation opportunities (skiing at Tahoe, fishing in the many lakes and streams in the Sierras, wine tasting, etc.) make this an amazing place to retire! ... more
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Thu Oct 11, 2007
Brandon Sitcler answered:
There are a few exciting projects in the works in varying degrees of development. The most intriguing, to me, is called "The L Street Lofts". The location is prime, as it is within walking distance of some of the city's finest restaurants. I know of quite a few more that are in the works, but it will definitely depend on how soon someone would want to move. ... more
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