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Home Buying in Camarillo : Real Estate Advice

  • All110
  • Local Info7
  • Home Buying36
  • Home Selling3
  • Market Conditions10

Activity 53
Mon Dec 12, 2016
Seanbarrymacfarland59 answered:
Greetings
Merry Xmas in Advance,

I know we have not met before, But I believed you have heard my name in one way or the other regarding our effort to help in Middle East, which is the role of our name to do so as United States of America. Please i have very important issue to share with you. Kindly reply to my mail.
Thanks

Sean B. Macfarland
... more
0 votes 16 answers Share Flag
Tue Nov 3, 2015
Arpad Racz answered:
Hi,

Your local agent can help you with searching for these specific key terms.

All the best,

Arpad
0 votes 1 answer Share Flag
Wed Oct 21, 2015
Cindy Davis answered:
Have your listing agent delete it. Thee's no other way to get it done.
0 votes 1 answer Share Flag
Tue May 26, 2015
Sheryl Arndt answered:
Hello Jmremetio, yes you may qualify for Access .5% half percent down payment program with a minimum 580 fico score or CHDAP .5% half percent down payment program from a minimum 640 fico score. Each program has income limits and some slight variances.

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 up to 417k. 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 417k.

You will need to be pre-approved if you decide to buy to be able to meet an agent to view and submit offers on any homes of your choice. 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.

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. 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 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 Thank, Link or Best Answer.
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0 votes 4 answers Share Flag
Mon Mar 30, 2015
Jerry Brandt asked:
contact me at jerry@jerrybrandtrealty.com or 805-509-0089
0 votes 0 Answers Share Flag
Tue Jan 20, 2015
Teryn Bonime answered:
The Ventura County MLS is only as good as the data entered and most agents do not enter data for a single story house. So, I would suggest that you not use that criteria as you may overlook properties that may interest you! Teryn @ teryndowntheroad.com ... more
0 votes 2 answers Share Flag
Tue Nov 25, 2014
Jeanna and Rick Backer answered:
Ann, likely a house over $200,000 is in a land ownership park here in Camarillo.

To find a home in this market with a low space rent under $50,000 it will be hard yet not impossible if you are flexible on the home and doing your own upgrades.

We are specialists in Manufactured/mobile homes in Ventura County. If you are still looking to move back to California! We are here to help!

Rick and Jeanna
... more
0 votes 5 answers Share Flag
Mon Sep 15, 2014
Peggy Sue Tierney answered:
It is customary in our area of California that the seller pays the commission and commission is negotiable. Did your agent tell you that they are charging you the 3%commission? It sounds like the agent is double dipping and also getting paid from the listing broker. I would contact the Broker that the agent works for first to discuss this. I agree you should contact a local attorney to discuss this if you don't get resolution from the Broker. ... more
0 votes 12 answers Share Flag
Mon Sep 15, 2014
SCOTT URQUHART, CRS answered:
From condos to estate size homes...VillageAtThePark.org
0 votes 6 answers Share Flag
Mon Sep 15, 2014
Peggy Sue Tierney answered:
First of all you will want to research the online Alquist-Prieto Earthquake maps and get the specifics of possible past activity. Always use this tool when searching for a home in California. Get very familiar with areas that may be at risk. This will help you narrow down your specific criteria! ... more
0 votes 3 answers Share Flag
Wed Jul 23, 2014
Geralyn Casunuran answered:
Hello Alexlin25:

My office is in Camarillo, CA and I know Camarillo and Sterling Hills very well. What is the address of this property? I can investigate this for you further. It is possible that the status of the property has changed (NOD: Notice of Default or NOS: Notice of Sale = Foreclosure.) Also, may I ask what you mean by "a great opportunity?"

Please send me the address to my email: geralyn.prorealty@gmail.com and I can send you a detailed property profile and my analysis on whether this is a good investment (is this what you mean by "a good opportunity.")


I look forward to hearing from you!


Ms. Geralyn Casunuran
California BRE Lic. #01256471


Lee & Jackson Financial Services, Inc.
Professional Realty
300 N. Lantana St., #40
Camarillo, CA 93010
Office: (805) 388-2156
leeandjacksonfinancial.com
professionalrealty-california.com
... more
0 votes 7 answers Share Flag
Sun Jan 5, 2014
Raymond Whitby answered:
This depends on the contingency in the agreement or contract you signed. What does the agreement say as to exactly when the inspection periods are and when is your earnest money forfeit due to non performance on your behalf. The purchase agreement should without question spell all this out and sometimes a tile officer will confuse the issue, so make sure your agent explains to you exactly what's going on first. ... more
0 votes 3 answers Share Flag
Sun Jan 5, 2014
Raymond Whitby answered:
This completely depends on who forced you and was it a negotiation or forced? In the short sale process there is a lot of haggling and negotiating going on and that includes the sellers too... Often times the bank only cares about the net to them, and however it comes together to reach that figure is how the deal gets done.... I would re-examine what had to take place for you to kick in 1k! ... more
0 votes 4 answers Share Flag
Sun Dec 22, 2013
Alexander Greer answered:
Are you looking for information or are you just stating a fact?

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

408-352-5147
AGreer@TheMortgageOutlet.com ... more
0 votes 3 answers Share Flag
Fri Nov 8, 2013
Barry Shapiro answered:
Hi Michael... Contact Trulia Business Solutions: http://www.trulia.com/agents/ Good luck!
0 votes 8 answers Share Flag
Sun Oct 27, 2013
Candice Stern answered:
Wed Oct 2, 2013
Blanca Dover answered:
Hi Ray,

I am a realtor that lives in the city of Camarillo so I am very familiar with it. I would be happy to send you a list of available homes. Please contact me with specifics at 805-427-5646. ... more
0 votes 9 answers Share Flag
Mon Sep 30, 2013
Barry Shapiro answered:
The sellers are willing to accept $29,500. as of 9/26/13. Compared to the previous list price of $39,000 this is a 25% price reduction. Close to shopping and freeway without the freeway noise, this Senior mobile home is located at the rear of the park. Spacious back yard with fruit trees and raised patio off the Kitchen and peek-a-boo ocean views make this a home to see. The functional home has laminate floors in the main living area and carpet in the bedrooms and 192 sq ft room addition off the Living Room. Newer water heater, cooktop and bathroom remodel add to the value. Space rent @ $950/month, includes water and trash. Rent was just increased in August 2013. Park approval required. One pet and size limit. ... more
0 votes 3 answers Share Flag
Fri Aug 16, 2013
answered:
What you are saying really does happen all too much. Don't assume that it is corruption based on face value, though that may well be the case.

Remember that many times ability to perform is more important then the price of the offer. If the buyer can not perform and the house falls out of escrow due to it, there is an appearance that there is something wrong with the house and the seller could easily loose $25,000 because of it. Also there is a loss in value anytime a property is on the market over a certain amount of time.

If your offer was 25,000 higher, what was the appraisal value?
Because the other offer may have been higher than yours and maybe the home did not appraise, only to have the seller agree to a price concession.

Also if the agent and seller have a good idea of what the appraisal price is, and the buyer is offering more but does not appear to be able or willing to make up the difference if it does not appraise. it would be wise to not accept the offer.

Quite frankly many agents do not have confidence in the performance of other agents. I had a listing once where I found out a week before the property was to close the buyer had canceled their loan in order to shop for a better deal. You can not make this stuff up.

We as a lender make a business of helping agents and buyers get their offers accepted. What we do differently is that we will close the loan on time or with in 21 days, if not and it is our fault we will pay the per diem interest on the sellers existing note up to $215 a day. Having a guarantee on the table gives the sellers and their agents a lot more confidence that the loan will close.
... more
0 votes 4 answers Share Flag
Sun Aug 4, 2013
Roy Bush answered:
CFS Mortgage, http://www.cfsflex.com, has a flexible loan program. They allow a mortgage after a foreclosure, short sale, or chapter 7 bankruptcy. There is only a six month waiting period. This is perfect for individuals looking to become homeowners again. ... more
0 votes 14 answers Share Flag
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