Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Home Buying in Hesperia : Real Estate Advice

  • All190
  • Local Info14
  • Home Buying75
  • Home Selling4
  • Market Conditions4

Activity 92
Mon Nov 13, 2017
Glenn Billiet answered:
Is a pre built cabin home considered a mobile home if on a foundation?Is there a minimum square footage rule in San Bernardino county?
0 votes 8 answers Share Flag
Tue May 16, 2017
answered:
Hello Rbirdieie2000, your agent should have done a market analysis and shown you all the homes for sale similar and like and the prices they sold for and are available for now to study and have a game plan of the market value. It depends on many factors especially if there are multiple offers...

Homes these days in this market with low inventory are going for full market value so study the market value with your agent to decide. If there are multiple offers you would want to go full price.

Are you paying your own closing costs? What type of financing are you pre-approved for? If you are asking for closing costs then usually you will be at a disadvantage with other offers not asking for closing costs.

You may consider FHA 3.5% down from a minimum 580 fico score. Do you have down payment and closing costs or do you need down payment and closing cost assistance programs?

You may consider 3% down conventional from a minimum 620 fico score and down payment and closing cost assistance programs from a minimum 640 fico score.

I live in Apple Valley, CA a few miles from 92345 zip of Hesperia so let me know if you need any assistance or have real estate or mortgage questions.

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.

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 any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
Credit Repair Advice At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 3 answers Share Flag
Wed Apr 6, 2016
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
Tue Apr 5, 2016
answered:
Hello Smileybrat7, congratulations on your decision to purchase. 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 specilist
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 4 answers Share Flag
Tue Apr 5, 2016
answered:
Hello Katherine, why rent to own if you may qualify to buy. Rent to Own are risky and require 10% non refundable down payment and another 3% fee. You may qualify to buy right now.

I am afraid getting a single family home in that rent range will be a little harder to find as all that is showing up are condos and townhomes. There is a 2bd 1ba condo in Victorville for $750 but 2bd 1ba in Hesperia start from $950 currently.

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.

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.

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.

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.

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. 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 specilist
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
Thu Dec 17, 2015
Perfect Log Homes answered:
Sanjuan Bejo,

Areas considered "rural" in most of the U.S. don't have restrictions on type of home being built as long as it complies with local codes. Do you own this land or is it a part of a sub-division? Usually your local court house will be able to direct you to the needed answers. If you have any questions on what type of Log Homes are available to build let me know. If we have a Rep in your area I would be willing to direct you to them. If not, then I am able to help you where you would need it.

David,
PerfectLogHomes.com
... more
0 votes 1 answer Share Flag
Thu Nov 19, 2015
answered:
Hello Fclay12, yes you may qualify for FHA financing. 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 with a minimum 640 fico score. 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.

I live in Apple Valley and am available. 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.

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
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

If my response was helpful, consider clicking Thank, Link or Best Answer.
... more
0 votes 3 answers Share Flag
Thu Oct 15, 2015
answered:
I am not sure if they are safer as they are quicker to foreclose. But especially on land you will probably get a much better deal

I have that kind of loan available but really the loan has be less than 70% of the property value and rates are typically 12% plus points and fees. So you can see you can get a better deal from the seller. ... more
0 votes 3 answers 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
Tue Apr 7, 2015
Derek Jones answered:
Ask your agent on the best course of action. I'm not a lawyer so I can't give legal advice but the house being occupied by renters should have been disclosed as a material fact. ... more
0 votes 2 answers Share Flag
Sun Nov 2, 2014
answered:
You can feel free to contact me by clicking on my profile and send me a message.
0 votes 2 answers Share Flag
Tue Oct 14, 2014
answered:
If you are "Truly" Pre-Approved then you would these items:

1.) Copy of a Pre-Approval letter than spells out your loan type and term, maximum sales price qualified for, maximum interest rate qualified for, expiration date of the letter.

2.) Copy of you Itemized Fee Work Sheet that has all costs (including the lender's fees), estimated interest rate (based on that days pricing), and payment.

3.) Copy of your VA AUS (Automated Underwriting System) Findings. By having this document, you can see upfront what conditions you will be excepted to supply the lender and you WON'T be caught off guard in the 11th hour.

If you don't have the warm and fuzzies about your Loan Officer, I suggest you look around. Make darn sure you properly vet your LO, as your choice in who you work with will greatly affect the end game and specifically if you will get a set of keys.

Take care,
... more
0 votes 6 answers Share Flag
Tue May 20, 2014
Bobby Humphrey answered:
The first step will be to get a lender pre-qualification to establish the amount of money you may be qualified for to purchase a home. Ask your lender for a pre-approval letter as well. This step is more involved and includes full credit analysis but will have an impact upon your ability to purchase This impact could be negative or positive so be sure to check your free credit report and improve your score as much as possible. Your lender or a credit counselor may be able to advise you in this process.
. You can then get busy looking for that dream home. Enlist the help of an experienced, reputable Realtor to help you through the ensuing process of purchasing a home. There are many reasons for choosing a recommended agency to represent you. I will send you a list of reasons if you will contact me.
I hope this helps and if you have any further questions please feel free to contact me at any time.

Bob Humphrey
realtor360@yahoo.com
(760-524-2262
... more
0 votes 5 answers Share Flag
Sat May 17, 2014
Von Bonilla answered:
Hello Tstio,

Did you receive an answer and did you take action? What is your situation now?

Von
0 votes 6 answers Share Flag
Thu Jan 23, 2014
John Arendsen answered:
I'm assuming you're talking about a Manufactured Home but you didn't tell us where?
0 votes 2 answers Share Flag
1 2 3 4 5
Search Advice
Search
Home Buying in Hesperia Zip Codes

Followers

217