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92345 : Real Estate Advice

  • All43
  • Local Info12
  • Home Buying18
  • Home Selling2
  • Market Conditions1

Activity 35
Fri Feb 3, 2017
Rich Reed answered:
A Realtor with access to the MLS that served the address of the property may be able to look up comparable sales, but 1994 is going back quite a bit. If you need the information to settle an estate or some other legal issue, you may need to hire a California licensed appraiser to do an appraisal as of a certain date. Sometimes these are referred to as "retrospective appraisals" or "date of death" appraisals. Hope this helps! ... more
0 votes 2 answers Share Flag
Wed Apr 6, 2016
Sheryl Arndt answered:
Hello Paige, did you ever find an agent and buy a home? You will want to ask them how many years they have been an agent and you want to find one with many years of experience.

You will need to be pre-approved to be able to meet an agent to submit offers on homes of your choice.

You will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card for each applicant.

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.

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.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down. 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.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and consider. I live in Apple Valley, CA. The purchase in Hesperia start from 99k for 2bd 1ba single family home.

Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ 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 1 answer Share Flag
Fri Feb 19, 2016
Karen Peyton answered:
Yes. The agreement between you and your agent will have a beginning and ending date. Tell them what you want to do, they will tell you how much time it reasonably takes, and the two of you can come up with a time frame for your working relationship.

Good luck!
... more
0 votes 1 answer Share Flag
Tue Jan 5, 2016
544897 asked:
me and my family have been seeing things
0 votes 0 Answers Share Flag
Tue Nov 3, 2015
Joseph Fleischaker answered:
I think you got your own advice. Sometimes, it doesn't make sense to build on a piece of land. City fees, County fees, school fees, misc development fees as well as wet and dry utility installation costs will determine if development makes sense or not. Believe it or not, even if the land was free, sometimes the cost of building a house doesn't pencil. Why build a house that will cost you $200,000 if it could only sell for $175,000. ... more
0 votes 1 answer Share Flag
Fri Sep 4, 2015
Michael Abramsky answered:
There are loan programs which start in the 560s depending on what you qualify for you may be able to get a mortgage. Speak with a loan officer in your area and they will tell you what you are approved for based on your credit score, income, and down payment.

I would suggest that you consider working on increasing your credit scores. There are several things that you can do in order to improve your credit. Here are a few;
- Pay your bills on time
- Pay down your credit cards
- Stop applying for credit
- Don't close old accounts
- More here: https://www.creditfirm.net/blogs/7-steps-to-better-credit.html

Good Luck!!
... more
0 votes 3 answers Share Flag
Sat Jul 25, 2015
Ruby Sanchez asked:
Tue Jul 7, 2015
Tim Schmackpfeffer asked:
Mon Dec 1, 2014
Jason Zaitz answered:
Where do you live? It would definitely depend on what city and the city ordinances or neighborhood CC&R's.
0 votes 4 answers Share Flag
Sat Nov 1, 2014
Alexander Greer answered:
I would be more than happy to help you. The issue is it must be an owner occupied residence with your credit score. Only way to go is FHA. Give me a call and we can discuss it.

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
Sun Oct 5, 2014
Charles Wright asked:
Wed Aug 27, 2014
John Kavadas answered:
If you want to look in the area, but you want very, very low crime numbers, look in the High Country Homes area of Oak Hills, this is the neighborhood across from Cedar Middle School, around Econdido and Valley View and Buena Vista Drive. On the north end of the community is Rick Novack Community Center and Park. ... more
0 votes 12 answers Share Flag
Fri Oct 18, 2013
Mary Young answered:
April,

It may not be wise for me to tell you this but I try my best to talk clients out of Lease to own or rent to own because of several reasons. I don't believe they help the buyer that much and especially in this market. So you go into a lease agreement with a owner. You pay more money for the lease per month than if you were just leasing the property. Some of that money goes towards a down payment. What if in two years you don't want the house? What if the owner is no longer there and he has walked with your money? If you have to rent now ok rent for less than you can afford. Put the difference in a savings account. When you are ready to purchase you will have the power to purchase the home you want. In the meantime hook up with a good lender that will direct you in the way to good to get you to your goals quicker. While houses are still affordable I would see if you may qualify under a special program. You maybe surprised. And if not you may find out you are not too far off and worse scenario you will know what is a realistic goal for you.
If you need any help please don't hesitate to call and get the plan best for your situation.

Mary Young
909-489-9816
760-780-0088
... more
0 votes 8 answers Share Flag
Thu Jun 27, 2013
Jory Blake answered:
What did he say Blue ?


Jory Blake
Probate Realtor in Riverside, CPRES
Senior Real Estate Specialist,SRES
0 votes 1 answer Share Flag
Mon Jun 24, 2013
Bo Goulet, broker answered:
blue_eyez44dd;

You probably want to check with the city about this. If I understand your question correctly, the answer may be that the city fees are payable prior to the certificate of occupancy. These fees may be paid through escrow. ... more
0 votes 1 answer Share Flag
Mon Jan 21, 2013
Karen Sanchez answered:
Hi Linda,

There is something for everyone in the High Desert.
What are you looking for in a home?
Each City is a little different and offers a little something that the other one doesn't.
I picked my home because it was close to my husbands work, not too far from my church, it had a wonderful view and I can't hear the next door neighbors. So working with an agent that knows the area is important. We do have afternoon breezes that keep the air clean but can be bothersome.
We have sunsets that are magnificent. We have out door recreation opportunities and many cultural opportunities as well. Many of my friends participate in local theater and musical performances. If you are looking for a place that has the feel of a smaller town with the advantages of bring not far from many things, come on up.

Karen Sanchez
www.RealLiving.com/Karen.Sanchez
... more
0 votes 2 answers Share Flag
Mon Jan 21, 2013
Karen Sanchez answered:
Oak Hills has a rural area that does have brush. Are you asking if you buy a house in Oak Hills will you be paying the extra $150 a year assessment for fire prevention, the answer is most likely yes. If you lived here you would keep the brush away from your house. I have many friends that live in Oak Hills and love the convenience to the high desert and to the basin communities. Many commuters find it great place to live. There are many larger executive style homes in the area. This area may appeal to people that enjoy an equestrian live style. There is also a tract area in Oak Hills with side walks and smaller lots. We have a little bit of everything in the High Desert.

Karen Sanchez
www.RealLiving,com/Karen.Sanchez
... more
0 votes 1 answer Share Flag
Thu Dec 6, 2012
Rhonda DeVictor answered:
Hi Tracy,

If you have a relationship with anyone who works for a title company or a real estate agent, they can easily look up the address and provide you with the information. If you don't and you're not comfortable walking in to your nearest real estate company and asking someone to help you, send me the address and I will get the info to you. Email me at rdvRealEstate@gmail.com so I can email back the title information to you. ... more
0 votes 2 answers Share Flag
Fri Nov 23, 2012
Mack McCoy answered:
pvplr, it is essential that you consult with an attorney and an accountant before recording this deed.

For one thing, the transfer of real estate is a taxable event. For another thing, transferring title can trigger "due on sale" clauses of any underlying mortgages. It can also obligate you to satisfy (pay off) some types of liens against the property.

You should do this first thing Monday morning.

All the best,
... more
0 votes 6 answers Share Flag
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