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Home Buying in Garden Grove : Real Estate Advice

  • All113
  • Local Info6
  • Home Buying33
  • Home Selling2
  • Market Conditions5

Activity 63
Sat Feb 25, 2017
Nicole Fedorchek answered:
After you sign loan docs, and before the loan is funded, the lender will typically do one final verification of credit and current employment.
Nicole
0 votes 1 answer Share Flag
Mon Dec 5, 2016
Shannonlamp26 answered:
Hi out there i want to urgently sell my car 2012 Toyota Camry Hybrid XLE rust free and have not been invovle in any accident
Mileage 36,012 miles
9,103 below average
MPG 40 city / 38 hwy
EPA Fuel Economy Guide
Style XLE 4dr Sedan
Engine 2.5L I4
Transmission Cvt
Fuel Gas/Electric Hybrid
Drive Train FWD
Exterior Color White

if interested text at (951) 223-5124 for more info and pics
... more
0 votes 20 answers Share Flag
Fri Oct 14, 2016
Rvarya1 asked:
The Short-sale was approved by the Bank and Servicer on Sept 30 and I am the approved buyer. The contract was approved without any modifications.and agrees to pay up to 10% on closing costs.…
0 votes 0 Answers Share Flag
Sun Feb 28, 2016
Sheryl Arndt answered:
Hello Krystal, yes you may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

You may consider a 3%-5% grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid. 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.

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 listings in 92840 zip code start from 309k for 2bd 2ba condo. 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
23+ 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
... more
0 votes 10 answers Share Flag
Fri Nov 13, 2015
Alan May answered:
Dr. Tuyen

You have posted this in the Trulia Questions and Answers section... where the public asks questions, and they are sometimes answered by Realtors who are not employees of Trulia.

Trulia does not monitor this section... so they will not see your FIRST warning... SECOND TIME warning, or any additional warnings that you intend to post.

You might want to try to contact Trulia via their Customer Service number at: 1 (888) 466-3501
... more
1 vote 2 answers Share Flag
Fri Nov 13, 2015
Alan May answered:
Dr. Tuyen

You have posted this in the Trulia Questions and Answers section... where the public asks questions, and they are sometimes answered by Realtors who are not employees of Trulia.

Trulia does not monitor this section... so they will not see your FIRST warning... SECOND TIME warning, or any additional warnings that you intend to post.

You might want to try to contact Trulia via their Customer Service number at: 1 (888) 466-3501
... more
0 votes 1 answer Share Flag
Thu Jun 25, 2015
Nicole Fedorchek answered:
Hello!
I work with some great lenders that can assist you with this! Please contact me for more details. You will also need an experienced Real Estate professional to assist you with buying your home, which is me!

Nicole Fedorchek, Tarbell Realtors
Gold Circle of Excellence
714-914-5097
realtornicolef@gmail.com
www.nicolefedorchek.com
DRE 01920370
... more
0 votes 4 answers Share Flag
Mon Apr 27, 2015
Sheryl Arndt answered:
Hello goldenlove4me, yes sure I advise and do credit repair at no cost for all of my clients that need assistance. I can raise fico scores within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

If you find any scam of any type you should turn them in to this FBI Fraud investigation website.
FBI Internet Fraud Division http://www.ic3.gov/default.aspx

The purchase in Garden Grove start from 209k for 1bd 1ba condo, 263k for 2bd 1ba condo, 285k for 3bd 2ba condo and the single family homes start from 410k for 3bd 2ba home which is as low as $2,050 down payment with a minimum 580 fico score @410k or $1,050 down payment @209k.

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 or even 5% down conventional with NO Mortgage insurance (Lender paid MI).

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.

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. 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.

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.
... more
0 votes 4 answers Share Flag
Fri Feb 6, 2015
Alex Montelongo Real Estate Group answered:
Garden Grove prices are much lower than Huntington Beach or Costa Mesa. It would depend on how much you can afford. You may buy a 4 bed 2 bath in GG SFR but only get a 2 bed Condo for the same price in HB. There are some good neighborhoods in GG. It's entirely up to you. Perhaps you should choose a Realtor in the area to take you out one of these days and explain the benefits of each city so that you can make the best informed decision.

All the best,

Alex Montelongo/Broker
Coldwell Banker Star Realty
562-810-7387 Cell
BRE Lic #01456982
... more
0 votes 8 answers Share Flag
Fri Feb 6, 2015
Alex Montelongo Real Estate Group answered:
The consensus amongst most of the Lenders that have replied is Yes. Subject to the terms of your new loan, etc. There are missing variables to the equation but as long as you are pre-approved for another purchase, you should be good to go. Do you have an Agent or Broker that is helping you find your new property? Please have a look at my profile here on Trulia.com and give me a call.

All the best,

Alex Montelongo/Broker
Coldwell Banker Star Realty
562-810-7387 Cell
BRE Lci #01456982
... more
0 votes 7 answers Share Flag
Sat Aug 16, 2014
Alex Montelongo Real Estate Group answered:
Very interesting situation. I understand your obligation to help the family. Your next step is to speak with a reputable lender. They can help by running some figures and presenting options for you and your brother.

Best of luck,

Alex Montelongo/Broker
Coldwell Banker Star Realty
562-810-7387 Cell
BRE Lic #01456982
... more
0 votes 13 answers Share Flag
Thu Jun 26, 2014
Kawain Payne answered:
Best to contact a lender who specializing in loan for non U.S. citizens for your answer.

Kawain Payne, Realtor
0 votes 3 answers Share Flag
Fri Dec 27, 2013
Michael Brownstead answered:
In addition to the great info already provided by my real estate colleagues, home buyers may be able to get deals on foreclosures, which are often discounted in price, but buying foreclosures can be risky. It's essential to understand the pros and cons of buying a foreclosure before making a purchase.

First of all, there are several types of properties that are generally known as "foreclosures." A "pre-foreclosure" is a home which is in danger of falling into foreclosure, but is still owned by the homeowner. A "foreclosure" is a property that will be sold or repossessed by a creditor or a lender to recover the amount owed on it.

While pre-foreclosures are available for purchase from a homeowner, foreclosures can be bought at auction or as "bank-owned properties" (also known as "real-estate owned" properties) from a lender.

Pros of buying a foreclosure: You may be able to purchase a home at a lower-than-market-value price. If the home is in pre-foreclosure, the homeowner is looking to sell the home to avoid going into foreclosure. These homeowners are usually in a hurry to sell, putting buyers at an advantage.

Banks are sometimes willing to offer foreclosures at a discount -- the longer they hold these properties, the more it costs them in terms of taxes, maintenance, etc.

Foreclosures can be found at all sorts of price points (starter homes, luxury homes, etc.) and sometimes are only in need of minor repair or upgrades. With some sweat equity, repairs and upgrades, a homeowner can turn a foreclosure into a home and see some appreciation in the property's value.

Cons: Since foreclosures are often offered at significant discounts, you may face steep competition and bidding from other buyers.

However, foreclosures aren't always offered at a large discount. Homeowners in the pre-foreclosure stage may price a home higher than it is worth in the hopes of paying off a mortgage, taxes, etc. Banks are looking to recoup at least what's owned on the house, so they may only offer a slight discount.

If you are buying a foreclosed home at an auction, you may have to pay cash (the same day!) and may not be able to inspect the home before purchase.

Some lenders don't offer loans for distressed properties.

Foreclosures may need serious and costly repair. The previous owner might not have been able to afford fixes for the property and may have allowed it to fall into disrepair.

Many, not all, Foreclosures are often vandalized and looted; it's not uncommon to find major appliances missing, holes kicked in the walls and other vandalism.

Foreclosures tend to sit vacant for periods of time, which causes major maintenance issues. If a home is not maintained, its pipes could freeze, vermin and bugs could settle in and mold could grow.

You need to do your research -- a foreclosure can have liens attached to it. You may find yourself having to pay costly old debts associated with the property.

Foreclosures often are sold as is and banks often aren't interested in making or footing the bill for repairs.

At times, foreclosure buyers have to start eviction proceedings and pay legal fees to get the previous tenants/owners out of the home.

Purchasing a home from a lender can be a lengthy and time-consuming process that's full of red tape.

Don't let this scare you, the bottomline is to do thorough research before proceeding; I am sure there are many happy stories of success foreclosure purchases.
... more
1 vote 8 answers Share Flag
Sat Sep 14, 2013
Randall Yates answered:
Depends on loan amount and credit, I can refer you to a couple lenders that may be able to help you. I know many lenders that can do loans almost no other company can.. www.thelendersentwork.com ... more
0 votes 14 answers Share Flag
Sat Sep 14, 2013
Brian Nguyen answered:
This is certainly a loan that I can do for you. I am able to do this type of loan with a little as 20%. I would be more than willing to speak with you to help you get the loan that you need. Well I hope this helps! If you have any further questions or if you need a loan, feel free to contact me. Also, if you found this helpful please leave me a recommendation if you can! Good Luck! Brian Nguyen Sr. Mortgage Banker NMLS # 659743 Phone: 949.667.2887 brian.nguyen@nafinc.com ... more
0 votes 6 answers Share Flag
Thu Aug 1, 2013
Kawain Payne answered:
Hello Jimmy,

I would not use the term OBLIGATED.

If the item presents a heath and safety issue you as the buyer have every right to request the repair.

The seller may not be in a position to make the repair, they could not have the funds on hand for the repair. If this is the case, you can ask for a credit from the seller to be paid to you at close of escrow and have the repair done yourself.

If the seller refuses to make the repair or issue you a credit for the repair you have two choices:

1. Providing you are within the contingency period you can cancel the sale and request return of your deposit.

2. You can move ahead with the sale and take the home "AS IS".

I hope your seller will not be too one sided, and agree to a solution you BOTH will be able to live with.

Best of luck to you!

Kawain Payne, Realtor
Prudential California Realty
... more
0 votes 4 answers Share Flag
Tue Jul 23, 2013
Jill Murty answered:
You'll be able to find a manufactured home for under 100k, but you wouldn't own the land and there would be a space fee.
0 votes 2 answers Share Flag
Fri May 24, 2013
PacWest Properties answered:
to be of any help to your daughter.. it would be based on your current credit score and total debt to income ratio.

Contact Brentwood Pacific Financial for a full credit report and analysis of your purchasing options.

714-771-3800

Scott Fredrickson
Brentwood Pacific Financial
NMLS# 335170
... more
0 votes 3 answers Share Flag
Thu May 23, 2013
Frank Abbadessa answered:
My lender works with the Platinum Grant Fund which only requires the buyer to put 0.5% down on a 3.5% loan. You never have to pay the money back as long as you stay in the home for 5 years. There are a few other stipulations such as income caps. Here are some more details on the program:

Down Payment and/or Closing Cost Assistance (Currently in the Form of a Grant)
Not Limited to First-Time Homebuyers
Purchase of Primary Residences Only
Available in Conjunction with 30-year
Fixed-rate FHA, VA and USDA Mortgage Loans
New or Existing Homes are Eligible
Income Limits up to 115% HUD AMI
Available throughout California
Orange county income limits up to $96,000
Los Angeles county income limits up to $80,000

Send me an email for more information or for a lender that services this loan program. All my clients that have used this program have been very satisfied. The money may be running out soon so take advantage while you can!
... more
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