Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Apple Valley : Real Estate Advice

  • All215
  • Local Info22
  • Home Buying80
  • Home Selling4
  • Market Conditions10

Activity 156
Wed Dec 20, 2017
Frank S. answered:
Hello Ma11onee, The escrow would be around $900 and title would be about $650 and transfer tax would be $275 on a 250k purchase. Are you looking to purchase her in Apple Valley?

We live in Apple Valley. You will need to be pre-approved to be able to see and submit offers on any homes of your choice. Check out the web reference link below... ... more
0 votes 1 answer Share Flag
Sat Oct 28, 2017
Frank S. answered:
Hello Scotty, yes there is and what are you trying to figure out? Do you have a home you are thinking about listing/selling in Apple Valley or are you shopping for a home?

Are you looking to purchase an investment rental in Apple Valley? You may consider 15% down for an investment purchase, from 10% down for a second home purchase and from 3% down for a primary residence with a minimum 620 fico score.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms, baths and the maximum payment/price you are looking to achieve you can then be set up to receive daily automatic emails to fit your search criteria from any local agent here.

You will need to be pre-approved to be able to view and submit offers on any homes of your choice. Do you know what your fico scores are and how much you want to invest into the purchase?

We are in Apple Valley, check out the web reference link below and choose the loan program you are considering...
... more
0 votes 1 answer Share Flag
Fri Jun 16, 2017
Kathy Burgreen answered:
The question is: Are you selling by owner OR are you listed with a broker? If you are listed with a broker, then Rich Reed's reply is correct. However, if you are For Sale By Owner (no realtor involved), then you need to know the following:

Agents pay monthly advertising fees to Zillow, Trulia and other websites to promote themselves so consumers can contact them for assistance. These are called "leads". Buyers can call the seller directly, however, websites like Zillow and Trulia will have the agents pictures displayed prominently above yours so buyers will contact these agents first - not you. After all, these agents are paying to advertise on these websites. You listed your home for free. To get around this, you can edit your description (in Zillow) to add a 1st sentence that reads: PLEASE CALL OWNER AT ____ or email at ____.

Another option for selling by owner is to Google "Flat Fee Brokers" in your area. This allows you to pay a small fee to have your home listed in the local MLS but you will be required to pay a buyers broker a commission around 3%. The benefit to you is you will be in full control of marketing, negotiations, contract, deadline, etc.
... more
0 votes 2 answers Share Flag
Wed Mar 15, 2017
answered:
You may consider a refinance as we are still at record low rates as well.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and LTV and how much cash out you may want. 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 or 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 8 answers Share Flag
Wed Mar 15, 2017
answered:
Medical debt is not counted with FHA so don't worry about that. You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 424k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 424k.

Do you have down payment and closing cost or do you need down payment and closing cost assistance? You may qualify to buy with minimal out of pocket expenses with down payment and closing cost assistance programs.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 424k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 424k.

If you are buying a primary residence you could consider a down payment assistance program such as CalHFA or Sapphire Grant which can cover your down payment and closing costs. You may close with minimal out of pocket expenses. You may consider the CalHFA from a minimum 640 fico score and the Sapphire Grant from a minimum 620 fico score up to 424k.

You will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. You will need to gather some documentation for each applicant.

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.

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 any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA or 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 4 answers Share Flag
Wed Mar 15, 2017
answered:
Hello hkheflin, why hard money? You may qualify for traditional financing. You may qualify ONE DAY after a short sale, foreclosure or deed in lieu with 20% down. You may qualify with less down than a hard money loan. Your options can be discussed and put a plan together and I live in Apple Valley.

If you are buying a primary residence you could consider a down payment assistance program such as CalHFA or Sapphire Grant which can cover your down payment and closing costs. You may close with minimal out of pocket expenses. You may consider the CalHFA from a minimum 640 fico score and the Sapphire Grant from a minimum 620 fico score up to 424k.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 424k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 424k.

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 any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA or 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 2 answers Share Flag
Thu Aug 25, 2016
Invstnlfp answered:
You do not have to pay off any medical collections unless its a judgment. I am state and federally licensed to write mortgages in 31 states for a top direct lender in the mortgage industry who offers FHA, VA, and USDA loans down to a 550 credit score. We keep your info private not broker it out and we go down to a 550 credit score for VA and FHA loans.. Are lowest score we accept for government loans are 550 when most lenders require a 620 and brokers a 580. You have to have two years of income with a score over 550 with bankruptcies discharge date 2 years and over. We have basic guidelines and a pretty easy process. Feel free to text me or call me anytime up to 10:00pm Eastern with any questions.
Brian Young 214-797-3479
NMLS 902687
... more
0 votes 25 answers Share Flag
Wed Aug 17, 2016
Lewis George answered:
Tue Jul 26, 2016
answered:
Hello Anne, my first account and nswer was deleted. We are not allowed to give that kind of information because of steering laws. Here are some links to study crime and schools.

These links may assist you with crime statistics:
http://www.crimemapping.com
http://www.crimereports.com
http://www.everyblock.com/
http://www.localcrimenews.com
http://www.mylocalcrime.com
http://www.spotcrime.com/ca
http://www.meganslaw.ca.gov
http://www.neighborhoodscout.com/
http://www.homefair.com/

Theses links should have the answers to any questions you may have on schools:
http://www.greatschools.org/
http://Www.schoolfinder.ca.gov
http://Www.education.com
http://Www.schooldistrictfinder.com
http://Www.schooldigger.com
http://www.sarconline.org/

Are you looking to rent or buy in the near future? You should study RENT vs BUY options as you may qualify to buy and pay less than rent in many local cities. You may qualify to buy with minimum out of pocket expenses and pay less than rent.

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.

You may qualify to BUY with minimum out of pocket expenses such as less than first, last and security deposit of a rental. If you don't qualify VA you may qualify for the 3%-5% Sapphire Grant down payment assistance program from a minimum 620 fico score.

If you decide to buy you will need to be pre-approved to be able to meet an agent to submit offers on homes of your choice. You will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card for each applicant.

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. VA or CalVet are not fico score driven loan programs. FHA requires a minimum 500 fico score. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down. You may consider a 3%-5% Sapphire Grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and consider. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ 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
... more
0 votes 5 answers Share Flag
Tue Jul 26, 2016
answered:
The wheel chair accessible homes are scarce and you would most likely have to make alterations to accommodate wheel chair access. You can buy with the 203k rehab loan and remodel.

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 to be able to meet an agent to submit offers on homes of your choice. You will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card for each applicant.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down. You may consider a 3%-5% Sapphire Grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid.

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.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and consider. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ 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
... more
0 votes 2 answers Share Flag
Tue Jul 26, 2016
answered:
Hello Warren, I work for a mortgage brokerage and my mortgage office is in Woodland Hills but I currently live in Apple Valley and can assist you with any financing needs. You can either fax or email copies or I can meet you somewhere locally...

Do you know what your fico scores are and have credit reports already? How much funds do you have or want to invest towards the down payment and closing costs? Do you want no down payment or down payment assistance?

You will need to be pre-approved to be able to meet an agent to submit offers on homes of your choice. You will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card for each applicant.

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 92308 zip code of Apple Valley start from 77k for 2bd 2ba 55+ condo, 84k for 1bd 1ba REO single family home, 98k for 3bdf 2ba single family home and the 4bd 2ba single family homes start from 179k.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down. You may consider a 3%-5% Sapphire Grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid.

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.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and consider. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ 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
... more
0 votes 1 answer Share Flag
Wed Jun 29, 2016
USMortgageRanger answered:
While 700 is not the very top FICO score it is still a very good score and you can purchase a home with that score. 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
0 votes 1 answer Share Flag
Thu Apr 14, 2016
answered:
Hello Jeanid35, what happened? You should consult with the Inland Mediation Board which is a free legal advice service for landlord and tenant rights. The answers will be within the lease and if the lease ran out then it would have gone to month to month rent.

Here is the link to the brochure to call and find out your rights and let us know.
http://www.under640ficoscoreloans.com/Documents/Inland%20Fair%20Housing%20and%20Mediation%20Board%20tri-fold%20brochure.pdf

Do you need rentals or purchase listings to look at and consider? 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 should study RENT vs BUY options as you may qualify to buy and pay less than rent in many local cities. You may qualify to buy with minimum out of pocket expenses and pay less than rent.

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.

You may qualify to BUY with minimum out of pocket expenses such as less than first, last and security deposit of a rental. If you don't qualify VA you may qualify for the 3%-5% Sapphire Grant down payment assistance program from a minimum 620 fico score.

If you decide to buy you will need to be pre-approved to be able to meet an agent to submit offers on homes of your choice. You will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card for each applicant.

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.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down. You may consider a 3%-5% Sapphire Grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and consider. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ 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
... more
0 votes 2 answers Share Flag
Mon Aug 10, 2015
Jacquez1 answered:
how long do i have until i have to move out after my home has been sold at auction?

that my x-husband and I owned unnoticed to me for unpaid taxes

what can I do to stop this?
0 votes 6 answers Share Flag
Mon Aug 3, 2015
Cindy Davis answered:
This question seems to have no bearing on real estate.
0 votes 1 answer Share Flag
Sun Mar 8, 2015
Suzanne MacDowell answered:
When you find a questionable listing, click on the address, scroll down to the blue More button on the then hit the FLAG button on the listing page and choose suspected fraud. Or email it to Rentalfraud@Trulia.com. ... more
0 votes 1 answer Share Flag
Sat Mar 7, 2015
Cindy Davis answered:
You should have been given a piece of paper by with the details of the move out date. You don't mention here whether your own or rent. Nor is it clear which 'agency' you are referring to. If you don't have anything in writing, contact either your landlord or the person who sold the home. ... more
0 votes 2 answers Share Flag
1 2 3 4 5 6 7
Search Advice
Search
Apple Valley Zip Codes

Followers

216