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Home Buying in Hanford : Real Estate Advice

  • All58
  • Local Info1
  • Home Buying27
  • Home Selling3
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Activity 39
Tue Dec 6, 2016
Angelica P answered:
Hi,

Public Record means that the property is no longer for sale or active listing.

For future reference, you can feel free to contact us about this type of inquiry through our contact form here:

http://www.trulia.com/help/ask/


Thank you for using Trulia!

Angelica
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Sun Sep 25, 2016
Tatelatoya asked:
I am looking at buying a mobile home in a few month/beginning of the year and have no idea about park rates.
0 votes 0 Answers Share Flag
Sat Sep 12, 2015
Arpad Racz answered:
Hi A Franco,

You would ask a local real estate agent to find you Short Sales and REO's for starters, to see what iws available.

Kind regards,

Arpad
0 votes 1 answer Share Flag
Fri Sep 11, 2015
Sheryl Arndt answered:
Hello A Franco, a foreclosed home is one that has been repossessed by the bank and is offered up for sale as an R.E.O., real estate owned, home.

You will need to obtain financing by submitting documentation to qualify such as one month paytstubs/income documentation, two months bank statements, last two year tax returns, W2's, 1099's, all schedules, copies of drivers license and social security cards for each applicant.

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.

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 from a minimum 640 fico score 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.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment you are looking to achieve you can be emailed listings to study and compare. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

The purchase in Hanford 93230 zip code start from 60k for 1bd 1ba condo and the single family homes start from 61k which is as low as $305 down payment with a minimum 640 fico score @61k.

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 1 answer Share Flag
Fri Aug 21, 2015
Karen and Paul Catania answered:
You will have to ask the listing agent if they have any information about the well for starters but a well test should be preformed to get the true current numbers and bacteria count, ect. The cost will be at your expense but if you don't like what it is you can cancel the escrow and move on. There isn't any way to know for sure until you have it tested. ... more
0 votes 2 answers Share Flag
Fri Aug 21, 2015
Jrhoades asked:
It looks like the place is abandoned. Just wanted to know for sure.
0 votes 0 Answers Share Flag
Mon Jun 1, 2015
Sheryl Arndt answered:
Hello Melanie, this is rather a legal question but there is a way to take adverse possession with five years of living on the property and paying taxes so you may want to check into it. We can not advise but can give you some information within my opinion as I also have a friend that is going thru this position.

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 2 answers Share Flag
Mon Jun 1, 2015
Sheryl Arndt answered:
Hello Melanie, I have that information but it can not be published in this arena even though it is public information. What are you looking to achieve?

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.

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.

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 3 answers Share Flag
Thu Sep 18, 2014
Alexander Greer answered:
No it is not for sale. Let me know if I can help you with anything else.

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com


Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
... more
0 votes 1 answer Share Flag
Fri Feb 14, 2014
Brian Nguyen answered:
Hi Jenae, There are a few things you have to consider when you are beginning to buy a house and you are already touching on it with your concerns of credit score. There are different types of loans and these different loans have different credit score minimums. But the absolute lowest I have been able to give out a loan for was for a credit score of 580. Also, the down payment depends on the loan as well. For example an FHA only requires a 3.5% down payment, a conventional can require 10%-20% down, and if you are a veteran you can apply for a VA loan that doesn't require any down payment. The first step is to speak with a lender to get pre-approved. This can take 1-3 days depending on your lender. We will look at different aspects of your finances including credit score, income, expenses, debt, assets, liabilities, employment, down payment etc. There are lenders like myself that would be glad to speak with you. I am based out of California and I have done plenty of loans throughout the state. So if you need a loan or need help getting started, I would be happy to help. Good Luck! Brian Nguyen Sr. Mortgage Banker NMLS # 659743 Phone: 949.667.2887 brian.nguyen@nafinc.com ... more
0 votes 9 answers Share Flag
Fri Oct 25, 2013
Walter 'Skip' Kersten answered:
You can get pre-approved for a loan on the new home contingent upon selling the existing property. The first house will need to cloe escrow before the second house. Your Realtor will be able to coordinate all of this for you.
Good luck,
... more
0 votes 1 answer Share Flag
Fri Aug 16, 2013
Terry McCarley answered:
Check with your city officials. Some areas of the country allow it while other areas do NOT.
0 votes 2 answers Share Flag
Wed Feb 27, 2013
Aracely Hernandez answered:
You say this is an elderly owner. If you are in such a hurry to move in, help her out by having a moving company assist. This would end up being a win-win situation, since the seller may not be able to move due to little resources available, so you are doing the person a good deed and at the same time, able to move in on the planned date. Just an idea. It's interesting how it has all become about business now ... more
0 votes 3 answers Share Flag
Sun Oct 28, 2012
Luke Allison answered:
Patti-
First off let me tell you that there is not a minimum score requirement for an FHA loan. Yes, many lenders have implemented such requirements internally but this is not the case for everyone. Currently Bank of America Home Loans does not have a minimum score requirement for either FHA or VA loans. That is not to say that having a higher score doesn't help tremendously but only to say that we don't lump everyone into the categories of either Good or Bad. Everyone has their own individual circumstances which are looked at individually when qualifying a loan.

So that being said. Yes, your daughter can absolutely be on the loan with you when buying a home with an FHA loan. Her credit score is fine in my opinion but I would have to see it more detailed to tell you for certain. Plus, I am not sure what your scores are. Any loan product will use the lowest middle score of any of the borrowers.

As for the VA loan, your daughter cannot cosign on that as it is is limited to the veteran and their spouse. However, VA would probably have a lower payment since there is no monthly mortgage insurance so that may be a viable option.

I hope all of that helps. I know qualifying for a mortgage can be frustrating.
If you have any questions, please feel free to give me a call.
Luke Allison
Bank of America Home Loans
828-777-8828
luke.allison@bankofamerica.com
... more
0 votes 2 answers Share Flag
Sun Oct 28, 2012
Luke Allison answered:
I don't have to have any particular credit score to qualify a VA loan and no, there is no requirement to "pay" for the decreased score. A VA loan can be a bit more scrutinized on the credit qualification though so you will want to have a clear, concise explanation for any derogatory items that exist on the credit report, regardless of the score.

If you have any questions, you are welcome to contact me.

Luke Allison
Bank of America Home Loans
828-777-8828
luke.allison@bankofamerica.com
... more
1 vote 2 answers Share Flag
Sun Oct 28, 2012
muni sukhu answered:
Hi Mario
A cosigner sure helps but lenders have a tendency to give higher interest rate Please call me @559-362-2873 so I can better assist you
0 votes 1 answer Share Flag
Sun Oct 28, 2012
Claudia Muller answered:
If you could be more specific on why your credit is bad, it would be better to answer this question for you.
For the most part, lenders look at the credit scores of the borrower with the lower score, however, if the rest of the loan has positive compensating factors, it may work.
Definitely need more details to answer best!
... more
0 votes 4 answers Share Flag
Thu Oct 18, 2012
Tom Miller answered:
Wow. That is tough. Are you an agent or the Buyer? Are you in Marietta or in Hanford? If the property was listed, then the listing agreement should hold the Seller responsible for the commission whether or not they close, but this is often difficult to collect without taking legal action. If the house was not listed then there should have been some other agreement, usually at Authorization to Show Unlisted Property, that was in place or the commission could have been agreed to in the Purchase Agreement. If it is FSBO and you are the Buyer, and there is a Buyer's Agreeement in place, the way it usually reads in GA is: The agents will attempt to be paid by the Seller, but if they cannot be paid by the Seller, then the Buyer could owe the Buyer's Agent a commission. Feel free to provide additional details if you like and I will try to assist further. ... more
0 votes 2 answers Share Flag
Sun Sep 9, 2012
Robin Jerome-Boyer answered:
Under the Notice of Default the Seller still owns the property and must be approve the sale, as well as the lender. This would be a short sale if what is owed on the property is more than it is worth.
Be sure it is a Notice of Default and not a Notice of Trustee Sale as you would have less time to purchase and get approval under a Notice of Trustee Sale.
An licensed Realtor with short sale experience can help you provided the seller is willing to cooperate.
... more
0 votes 5 answers Share Flag
Mon Jul 2, 2012
Kim Murphy answered:
The county courthouse holds all ownership records.
0 votes 2 answers Share Flag
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