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93304 : Real Estate Advice

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  • Local Info1
  • Home Buying2
  • Home Selling1
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Activity 5
Sun Sep 25, 2016
Kevinbrylejohnson answered:
Hi Annie,

I think this would all depend on your agreement with your landlord. This is one of the many blessings for using apps likes https://www.Rentigo.com as it allows ease of communication as well as posting of any policies and payment setups you have with your property manager.

I do hope your concern gets addressed soon and that everything goes well.

Best of luck!
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Wed May 18, 2016
Sheryl Arndt answered:
Hello tealbakersfield, you may qualify to buy with minimum out of pocket expenses with the 3%-5% Sapphire Grant down payment assistance program from a minimum 620 fico score.

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.

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 93304 zip code of Bakersfield start from 120k for 2bd 1ba single family home, 129k for 3bd 1ba and 145k for 4bd 3ba home.

Click on my profile for website links.
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
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Mon Mar 9, 2015
UpNest Top Realtors answered:
Hello,

You can't list on Trulia as for sale by owner. You would have to pay for what is known as a flat-fee listing service to be on Trulia. Zillow is more FSBO friendly, though.

For sale by owner can seem like a big money saver, but usually the work of a top performing agent will give you the most money for your home.

We created our service (http://:www.upnest.com) to help connect home sellers with top performing agents that compete against other agents for your listing. Because agents know they are competing, they bring out their best services and rates, sometimes lowering commission, which can help you get the most money possible for your home.

Best of luck!
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Wed Feb 19, 2014
JoElla Deliberto answered:
I would not estimate. Each town has a tax office and this is public record.
Here in New York, the taxes are broken down by town, county, and school district. Find out the current taxes with out any exemptions, such as a VA exemption, should be easy to get without guessing.
JoElla Deliberto, Associate Broker, Houlihan Lawrence real estate, Rt. 6 , Jefferson Valley, NY 10541
www.joelladeliberto.com jdeliberto@houlihanlawrence.com
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Wed Feb 23, 2011
Chasity Goodson answered:
I am a lender in Bakersfield. I have a few questions to better understand your dilemma and I'm curious why you haven't received the help you need yet.

From what I've read, the only thing I see that may become an obstacle is the fact that you already own a home. If you have equity in the home you currently own then it should not be a problem but if you do not have equity there may be an issue because you will have to be able to afford both your current house payment and the new house payment. If that is the reason you haven't got the help you need, I would suggest waiting to purchase until your current home is in escrow with a new buyer.

Also, condos can be tricky to get financed sometimes. There are some neighborhoods that have community pools. You could purchase a home that has many of the same amenities as a condo.

Feel free to call or email me to set up an appointment. The first step to buying is determining what you can qualify for and if there are programs out there that fit your needs.
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