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Home Buying in Apple Valley : Real Estate Advice

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

Activity 82
Wed Mar 15, 2017
Sheryl Arndt 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
Sheryl Arndt 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
Sheryl Arndt 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
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
Fri Jan 9, 2015
Lisa Avila answered:
My advise would be to let your agent know your frustrations. You have presumably built a relationship and you may find more difficulty in starting over with someone new rather than to talk it through. Your frustrations may be with the market rather than you agent. It could very well be a matter of availability.

After having this discussion with your agent nothing changes, make a well informed decision by using a referral of someone you trust.

Good luck in your search!
... more
0 votes 9 answers Share Flag
Thu Jan 8, 2015
answered:
Hello, and Thank you for your Question. Are you currently working with a REALTOR? If not please contact me so I can help you find your home. My name is Janet James, I am a Realtor with RE/MAX Top Producers. My email is janetj.mjbernigroupmember@yahoo.com Thank you, Janet ... more
0 votes 1 answer Share Flag
Sun Oct 26, 2014
dorenezeller17 answered:
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Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or www.dennishopkinsfinance.de.vu Tel: USA +12404374240 .He is a trust worthy man. ... more
0 votes 5 answers Share Flag
Sat Jul 5, 2014
Lucyesims asked:
Sun May 18, 2014
Cindy Davis answered:
Without being an expert in this subject, I think the steps are the same as buying any home. First, work with a mortgage lender to establish the right price range for you. Second, find a Realtor that understands your situation, and is competent enough to help you.

Wishing you the best.
... more
0 votes 1 answer Share Flag
Thu May 8, 2014
Brian Nguyen answered:
It seems that your scores in your range should work. Lenders like myself can go as low as 580 when it comes to credit scores. Of course, your other finances will need to be in place as well including your income, debt, assets, employment, expenses, etc. The best thing for you to do is to speak with a knowledgeable lender like myself to see if you can get started on financing a new home. If you need additional assistance, feel free to reach out. Good luck!

Brian Nguyen
Sr. Mortgage Banker
NMLS # 659743
Phone: 949.667.2887
brian.nguyen@nafinc.com
... more
0 votes 7 answers Share Flag
Sun Feb 9, 2014
Alexander Greer answered:
Really depends on the other offers. It doesn't matter if it is less than the offer price is all offers are less as well. If none are less then you don't have a chance.

Alex Greer
Loan Officer
NMLS #1056079

http://www.TheMortgageOutlet.com
408-352-5147
AGreer@TheMortgageOutlet.com
... more
0 votes 5 answers Share Flag
Wed Aug 21, 2013
JR Thrasher answered:
When talking to an insurance agent make sure that you get insured for the replacement value for the home. I long time ago an insurance agent tried to sell be insurance for re-purchase value. They are not the same thing.

J.R. Thrasher
www.SanDiegoRealEstateVeterans.com
619-929-0105
... more
0 votes 2 answers Share Flag
Thu Jul 25, 2013
James Foy answered:
That's something you should call contractors about and get estimates. It's going to depend on what kind of addition you're doing, the type of roofing material, and the California Energy Code (CEC) requirements. The Climate Zone here is one of the most restrictive in CA, and changes will be taking effect on January 1, 2014.
This could be a great opportunity for you to use an FHA energy efficiency refi to add solar to your home if you're thinking of keeping it for 7 years or longer. By 2020, CA new homes will be built as "net zero" energy use homes, so to be competitive with newer homes, the older ones will need to add solar or wind generation, balanced by improving energy efficiency in other aspects of the homes.
... more
0 votes 1 answer Share Flag
Tue May 14, 2013
Tony Card answered:
Hi Mary,
That home is being sold as a short sale which means that there is no guarantee that you can get the house for the price offered. The way that this works, once the bank has an offer, they will have the house appraised and also looked at by a couple of real estate agents to help establish the value of the home. If the value of the house comes in at what you are offering, then the bank will normally accept the offer and escrow will open. This initial process can take some time, but once the short sale is approved, then the escrow can move fairly quickly.

If you have not found an agent to help you with this home, then please let me know as I would be happy to help you with it. I live in Apple Valley, I'm a certified Short Sale Specialist, and I sell a number of bank owned homes in that area.

Looking forward to hearing from you

Tony Card
tony@tonycard.com
... more
0 votes 6 answers Share Flag
Sat May 4, 2013
Mei Ling Wang answered:
Hi,
Based on a purchase price of $34,000 USD, the property tax is about $400/year. The price you pay depends on negotiations between the Seller and Buyer. Your agent should be able to help you and answer any questions you may have. ... more
0 votes 3 answers Share Flag
Sun Mar 17, 2013
Brian Hurst answered:
Hi Roxy. The typical cash escrow is 21 days. Therefore, if you were to be able to get an offer accepted tomorrow, you could reasonably expect to have possession of the property by March 26th. It is possible to close sooner; 14 days or perhaps even 10 depending on the escrow company or if the property is occupied. ... more
0 votes 4 answers Share Flag
Mon Feb 4, 2013
Hena Martin answered:
Call me to get you pre-qualified and leave the guess work out of the equation .
HENA MARTIN BROKER 760-251-2868 henamartinoo7@hotmail.com
0 votes 12 answers Share Flag
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