Hello Josh, you may get some locals to chime in soon but here are some links to start some research with. Are you looking to rent or buy? What is the maximum payment your looking to achieve? How many bedrooms, bathrooms and if you want a condo, townhome or single family home.
These links may assist you with crime statistics:
Theses links should have the answers to any questions you may have on schools:
The rentals in 94553 start from $1,500 for 2bd 1ba apt. The purchase in 94553 zip code of Martinez start from 259k for 1bd 1ba condo, from 330k for 2bd 2ba condo and the single family homes start from 399k for 3bd 1ba home. You may qualify to buy with minimum out of pocket expenses with down payment and closing costs assistance.
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.
If you decide you want to buy 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 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.
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