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Arroyo Grande : Real Estate Advice

  • All68
  • Local Info5
  • Home Buying17
  • Home Selling2
  • Market Conditions5

Activity 47
Fri Sep 22, 2017
Scott Godzyk answered:
As an agent, you can go in and edit your listings. Make sure you have an agent account, click on your name upper right, go to listings and edit. To reach Trulia scroll to bottom right and click on help center ... more
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Fri Aug 25, 2017
Kathy Burgreen answered:
If you are referring to space rental fees in a mobile home park, mobile homes are "personal property" - not real estate. Realtors do not get involved with mobile home parks so you will need to contact the Office Manager at the park to find out how much the space rental fees are.

If you are referring to HOA fees in a condo, this is real estate and you need to contact a realtor to find out how much HOA fees are.
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Tue Aug 8, 2017
Letty asked:
COMPLETE A CONSUMER PROFILE. I HAVE AN AGENT PROFILE. HOW DO I GET TO IT? CAN SOMEONE PLEASE CONTACT ME? LETTY@LETTYSTAFFORD.COM
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Sat Mar 4, 2017
Scott Godzyk answered:
The answer most often should come from the seller. If the seller wants the home sold "repaired" then all the repairs should be completed prior to showing for the best outcomes. If the seller will sell as is before repairs, or partially repaired, then showings can start right away. I always ask the seller what their goal is as well as to let them know all fixed, will yield a higher price than not fixed ... more
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Tue Dec 6, 2016
ariel sjt answered:
How do you create a draft listing only and only publish it if if it ready
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Sun Nov 6, 2016
Crissy Cox asked:
I am inquiring on what it's like living in Arroyo Grande? We're considering a rather sizable purchase & will be relocating from Orange County, CA. There are a couple of things that matter…
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Fri Oct 14, 2016
Tea4kim answered:
What are the HOA fees for Sunrise Mobile Park, Livermore, CA
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Sat Feb 27, 2016
Lily Ramirez asked:
I was told about this by a lender and I did some research online but can't seem to fully understand. I was told I would probably be getting a $3,600 tax rebate from the mortgage interest,…
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Fri Jan 8, 2016
Gxz3500a answered:
the house belongs to 2 person, when we want to sale it, do we must have 2 people be present? If one person can not be in. can we still sale it with a kind of authorization letter?
0 votes 66 answers Share Flag
Sun Nov 2, 2014
Cindy Davis answered:
With all due respect, this content belongs in your blog. This is where Realtors answer questions from consumers.
1 vote 2 answers Share Flag
Fri May 23, 2014
Robert D Hughes answered:
Good advice from Cindy. 0% down money. However, like Cindy stated not all sellers pick up all the buyers settlement costs. Also a VA Funding fee is included usually financed in as well. Make sure you only deal with knowledgeable and reputable Mortgage and Real Estate Reps.

Best of luck and Thank you for your service,

Rob Hughes-Long and Foster RE Inc.
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Thu Jan 9, 2014
Kevin and Julie McLaughlin answered:
Wed Jan 8, 2014
John Goodell answered:
Without knowing more about the property it is hard to say.

As a broker with many years experience in buying and selling rural property in Arroyo Grande, I would be happy to help you with your rural real estate needs.

Feel free to email me at jg@teamgoodell.com or call me at 805-441-4242.

To view the most recent real estate properties for sale in Arroyo Grande, CA please visit http://www.teamgoodell.com/arroyo-grande-real-estate-for-sale/
... more
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Thu Nov 21, 2013
Patrick Hauptman answered:
I would consult a lawyer or your accountant and see if they are familiar with this situation.
0 votes 1 answer Share Flag
Sat Oct 26, 2013
Dorene Slavitz answered:
Dear Ckatecarson,
I believe you may need to get the advice of a local Real Estate lawyer about this situation. Since you cannot get it resolved the "normal "ways, I see this as your only option. This has cost you money and there should be a remedy for your loss. ... more
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Wed Oct 16, 2013
answered:
Your credit score is just one of the factors your mortgage lender will use to determine whether you qualify for financing. The problem is, every lender uses different methods to determine your credit worthiness. So, in some cases, a minimum score is difficult to determine for conventional loans. In other cases, especially when loans are underwritten or insured by government organizations, there are minimum credit scores to qualify.

Acceptable Scores
The score your lender will accept for a conventional loan can be determined by many factors, including your payment history, your salary history, your current wage, your available credit, the scores other lenders are accepting and the current economic climate. Cornett Communications advises that even in tight economic times, a score of at least 640 will get you in the door for financing.
Fannie Mae
Fannie Mae is one of two government-backed mortgage lending houses; Freddie Mac is he other. Independent lenders take many of their cues from what these two organizations do. According to the "Washington Post," Fannie Mae raised its minimum credit score for conventional loans in 2009 from 580 to 620. Even if you have a 20-percent down payment, you can be rejected if your score is below 620. Fannie Mae will also reject a loan if more than 45 percent of your income goes toward paying debt.
Government-Backed Loans
Home loans backed or financed by the Federal Housing Administration and the Veterans Administration have different views of credit scores. FHA recently changed its minimum credit score to 580, which qualifies you for lending programs that require only a 3.5 percent down payment. VA loans are 100-percent financed and set aside for active and retired military, along with their families. There is no minimum credit score to qualify, though a better credit score will get you a better interest rate.





What Your Score Gets You
Your credit score is one of the factors that will determine your mortgage loan interest rate. The better your score, the better your interest rate is likely to be. FICO, also known as the Fair Isaac Corporation, posted the differences in interest rate you may pay, depending on your score. If your score is between 620 and 639—considered a risky score by some creditors—you could pay an interest rate of 5.718 percent on a $300,000, 30-year conventional mortgage. As of mid-August, 2010, If your score is at the high end, 760 to 850, your interest rate could be 4.129 percent on the same loan. A score of 650 may net you a rate of 5.172 percent.
Addressing Your Credit Score
If your credit score won’t allow you to get a home loan now, you can so some things you can to improve your score, which are updated on a monthly basis. Make sure all of your bills are paid on time; late payments drive down your score. Pay down your credit balances; maxed-out credit accounts can also hurt your score. Also, check your credit report on a regular basis for errors. This is one of the easiest ways to improve your score. If you find errors on your report and you can prove they are errors, the credit bureau is obligated to remove them.
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Tue Sep 3, 2013
Suellen answered:
I spoke to someone at Mesa View ~ they said that the space rents run between $500 to $900+ per month View and lot size are among the determining factors.
0 votes 8 answers Share Flag
Mon Sep 2, 2013
David Norwood answered:
The space rent is 878.00, per month but I believe can go higher. I do not know the space number is it is not listed any ware.

The home is over 10 years, so would require an all cash offer, as you cannot get a loan on a mobile homes that are over than 10 years old. If you have $78K cash, you would be better offer putting that down on a single family home. If you cannot afford the payments, you can get a reverse mortgage with 40% down and all you would need to do is pay the taxes and utilities.

To view all of the available homes on the central coast in real time, go to http://www.dnorwood.com/Pages/Home_Search_Mulipal_Listings_MLS.aspx

David Norwood-Central Coast Real Estate 805-471-0828 David@DNorwood.com

http://DNorwood.com
... more
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Fri Aug 30, 2013
John Goodell answered:
You may search for properties on our website at http://teamgoodell.com

There is no registration required to access all properties and photos.

You may also sign up for a market snapshot which gives you an idea of what the central coast (Arroyo Grande, Oceano, Grover Beach, Pismo Beach, San Luis Obispo, Paso Robles, etc.) market is doing, what properties have sold, which are for sale, trends, etd. We send the Market Snapshot to you by email. http://teamgoodell.com/ms/ ... more
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