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Home Buying in California City : Real Estate Advice

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  • Local Info8
  • Home Buying47
  • Home Selling9
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Activity 46
Tue Nov 7, 2017
Frank S. answered:
Hello Christina, yes but you currently only may consider 10% down FHA with fico scores between 500-579 and minimum 580 fico score may consider 3.5% down FHA. If you have a minimum 620 fico score you may consider 3% down conventional. If you have a minimum 640 fico score you may consider down payment and closing cost assistance programs in CA.

Your 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 view and submit offers on any homes of your choice.

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 be emailed listings to fit your search criteria from any local agent like us in CA.

The purchase in California City start from 70k for 3bd 1ba single family home. You may qualify for zero down USDA Rural from a minimum 580 fico score in California City, CA.

How much do you pay in rent and what is the maximum payment you are looking to afford? You will need to gather documentation to provide for a pre-approval letter so get started as soon as you can to put together a game plan on raising your scores. Check out the web reference link below...
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0 votes 2 answers Share Flag
Tue Jun 13, 2017
Chavan.amitj asked:
I am a consultant and just got a property closed,. My job contract gets extended every 3 months. What if I loose my job after 2-3 weeks of closing ???
0 votes 0 Answers Share Flag
Tue May 2, 2017
Andersonmichael307 asked:
Mon Sep 12, 2016
answered:
Yes. Very easy to do. With an acceptable job and a LOE there will be no questions anwsered. This is actually very common for people who work shifts. Fire Fighters are the most common people to do this because they only commute once a week and work for a few days at a time and then have a few days off.

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
... more
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Sat Mar 5, 2016
answered:
They think you have a listing agreement with and agent, and there are so many posts on Trulia they will not see your comments. They are not saying anything about advertising.
0 votes 2 answers Share Flag
Wed May 20, 2015
answered:
Hello Theresa, You should flag any scam postings so they are removed and this sounds like one of them. 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 and you can be emailed listings to fit your search criteria.

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 should study RENT vs BUY options as you may qualify to buy with minimum out of pocket expenses and pay less than rent in many cities. The rentals in Temecula start from $1,550 for 3bd 2.5ba single family home. The purchase in Temecula start from 195k for 2bd 1.5ba single family home that needs TLC. The inventory is quite low currently but new listings come available daily.

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. You will also need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as .5% half percent down payment program. You may consider 3% down conventional from a minimum 620 fico score.

If you have credit issues, your credit 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 compare. Here are some links to study as well as web reference links to many loan program pages offered...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ 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

If my response was helpful, consider clicking thumbs up or Best Answer!
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1 vote 2 answers Share Flag
Wed May 20, 2015
answered:
Yes most likely it would be a FHA loan which have very low note rates of about 3.125% 3.96APR

You will only need 3.5% down.

Rich 714-968-2500
0 votes 3 answers Share Flag
Tue Nov 4, 2014
Cindy Davis answered:
The answer is 'it depends.' If the liens belonged to the former owner, then you should get a lawyer...you should not have to be paid those...they should have been paid off before the close. ... more
0 votes 1 answer Share Flag
Wed Apr 9, 2014
Angela White answered:
Technically, there are circumstances where the Real Estate Transfer Disclosure is not required. Foreclosures being one, Trustee sales where the Trustee does not have a financial interest, Sales of non-owner occupied properties. In this case, no disclosure is considered following the law. It is my advice for sellers to disclosure death on a property even if they are not required to with a TDS. There is an additional form called a Statutory Supplemental, that you can have a Trustee fill out. A foreclosed property is not going to disclosure anything regardless of what they know.

Buyers should ask the question, if there is a death on the property. If directly asked, within 3 years of death, the seller has to disclosure, although the manner of death is not required. Once again, since the law is written for restitution if there is ' pertinent information affecting the value of the home' then there is recourse after you purchase. But you have to prove it. And that costs money.

In your situation, put in writing what was disclosed, and ask for validation. If you are uncomfortable with the response I am pretty sure they would let you back out. Depending upon the age of the home, chances are extremely high that someone has passed away in the home. People live, and people die, and a good percentage die in their home. Since this question is from a long time ago, the answer will only be helpful to those researching a similar situation. Oh, and neighbors are great at exaggerating all kinds of stories. Sometimes to put off certain buyers - so do you own research on a property rather than relying on neighbors.
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1 vote 5 answers Share Flag
Fri Mar 14, 2014
John Arendsen answered:
The question specifically asks about a "licensed Real Estate Agent" not a REALTOR.
0 votes 10 answers Share Flag
Sat Jan 18, 2014
JR Thrasher answered:
Yes

J.R. Thrasher
www.SanDiegoRealEstateVeterans.com
(619) 929-0105
RealEstate@JRThrasher.com
0 votes 3 answers Share Flag
Fri Jan 17, 2014
Sean Rees answered:
MissyFiona, it's hard to beat the combination of incredible safety (particularly for it's size as the 96th most populated city in the United States) and near-perfect schools of Irvine, where you designate you are from. Both for investment and primary residence purposes, Irvine is a California ideal, though there are certainly comparable cities throughout the rest of the state particularly in the immediate vicinity of Irvine.

Sean Rees
Value Real Estate
14 Hughes, Suite B102
Irvine, CA 92618
Phone: (949) 743-5453
Email: info@valueoc.com
www.valueoc.com
... more
0 votes 4 answers Share Flag
Mon Dec 9, 2013
answered:
You are going to have to narrow it down a little. What area are you specifically looking in?

Alex Greer
Loan Officer
NMLS #1056079
http://www.TheMortgageOutlet.com

408-352-5147
AGreer@TheMortgageOutlet.com
... more
0 votes 2 answers Share Flag
Sun Oct 6, 2013
Mary Lou Adame-Martinez answered:
Let me see if I can get you one from my title company. Are you referring to my land listing? And you want to know what's developed around there?
0 votes 1 answer Share Flag
Tue Aug 6, 2013
Alison Hillman answered:
You can contact the listing agent who will be able to help you learn more about that specific property (and probably will know a lot about similar properties in the area). To find an agent, just click on the yellow button on the property's Trulia listing and you will be able to start a dialogue.

Please let me know if you have any questions or if I can help with anything else. I am happy to be a resource for you. Good luck with the search!

Best,
Ali
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0 votes 1 answer Share Flag
Mon Aug 5, 2013
answered:
We can certainly help you out. You can check us out at http://www.TheMortgageOutlet.com and give us a call. One of our loan officers will look at your situation and present you with some options. ... more
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Tue Jul 16, 2013
Santiago Kensel Sanchez answered:
Chicago is one of the better markets for rents , high demand
0 votes 4 answers Share Flag
Sun Jul 14, 2013
Santiago Kensel Sanchez answered:
No really but if you dont have this in the 90% of the cases nobody want to work with you
0 votes 10 answers Share Flag
Sun Jul 14, 2013
Santiago Kensel Sanchez answered:
You need to talk with a Real estate comercial Attorney in the area
0 votes 2 answers Share Flag
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