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Imperial : Real Estate Advice

  • All20
  • Local Info0
  • Home Buying8
  • Home Selling0
  • Market Conditions1

Activity 17
Mon Apr 10, 2017
yvonne c asked:
0 votes 0 Answers Share Flag
Wed Jul 13, 2016
Rich Reed answered:
Your commission details, including the split to the selling agent is a required component of an exclusive residential listing agreement. Your question should be directed to your Broker for clarification. ... more
0 votes 1 answer Share Flag
Fri Feb 26, 2016
Dawngriffinhomes answered:
I work with a company called United Credit Education Services that helps people restore, build, monitor and protect their credit score. We have been in business 12 years , nationally licensed company, we have an A+ rating with the Better Business Bureau. We've helped tens of thousands of people across america restore their good credit. We also help educate people on how to build their credit with debt reducing tools and, positive trade lines such as secure credit cards, and Rental Kharma which can build credit with your last 2 years of rent. As a customer you will be able to have your own website where all your disputed items are displayed and you can monitor as these items are deleted and not have to wait to hear from someone else what is happening to your accounts. And yes, you can dispute your own credit, but the process is time consuming and you need to know the right language. Knowing how to dispute each item correctly is very valuable. We have a stand alone credit restoration service at a fixed price and we also have our protection plan that contains 12 services 5 premier credit services to restore, build, monitor and protect your credit as well as services to reduce debt and protect your family and finances at a low monthly payment. We pride ourselves on having excellent customer service and a 100% satisfaction guarantee. Please call or email me for more information. I'd love to be of service to you and your family. Dawn Griffin 818-687-9083
More information on our services
... more
0 votes 7 answers Share Flag
Mon Apr 6, 2015
Cindy Davis answered:
Generally speaking, when a price is much higher than average, it's because a seller refuses to accept what his or her home is REALLY WORTH. The home also may be newer, nicer, have unusual views...You really need to ask the listing agent this question! ... more
0 votes 1 answer Share Flag
Sat Aug 24, 2013
Joycelewis412 answered:
General rule is 2-3 years depending on the type of loan you sold short on before an institutional lender will consider you for a new mortgage provided you meet their other requirements.
Check if you qualify for a mortgage. Try
... more
0 votes 8 answers Share Flag
Sun Aug 4, 2013
Martha Vega answered:
After the discharge of your bankrupcy you must wait 2 years for an FHA mortgage, and 4 years for a Conventional.
0 votes 4 answers Share Flag
Mon Mar 25, 2013
Robert Chomentowski answered:
That would qualify you for about a $1,000/mo house payment. Anyway you could sell the car? That would help allow you to qualify for more.
0 votes 1 answer Share Flag
Mon Mar 25, 2013
Robert Chomentowski answered:
I would recommend a VA loan over a Calvet right now because VA interest rates are much lower. Feel free to contact me and I can assist you.
0 votes 7 answers Share Flag
Mon Mar 25, 2013
Robert Chomentowski answered:
That is an excellent credit score. Next step would be to get more information on current job and salary.
0 votes 2 answers Share Flag
Sun Mar 24, 2013
Gregorio Denny answered:
I cannot speak for others, but I don't have any sources for a USDA mortgage with a 600 credit score. I do however have the ability to originate an FHA loan with 3.5% down with a 600 score or a HomePath mortgage with 3% down and no PMI with a 620 score.

Please contact me if either of the latter will help.
... more
0 votes 1 answer Share Flag
Sat Nov 24, 2012
Amy Volmer answered:
It depends on your preference really. I sell new and resale homes and I'm surprised to hear a new home with not paying buyer closing costs?? Builders almost always assist or pay all of a buyers closing costs when the buyer gets their financing with the builders preferred lender. If you are looking to stay away from CFD's then look for homes that are approx 7+ years old. CFD's started on homes built from Oct. 2008 to present. ... more
0 votes 4 answers Share Flag
Wed Apr 18, 2012
Thomas Bohlmann answered:
Just like any other propety. Contact a Realtor.

Now the other question is do you need a loan or are you paying Cash.

Several of the larger banks do investment property loans. Again Contact a Realtor, as they would have this information as well.

Good Luck
... more
0 votes 1 answer Share Flag
Wed May 18, 2011
Robert Spinosa answered:

This property (link below) is eligible for a Homepath loan. I just did the math for you and you could own a 4/2 in this zip code with a total monthly housing payment of $1034.87 and a down payment of $4647. If you have questions about what it might take to qualify for this program, please let me know.

Thank you,

Rob Spinosa
... more
0 votes 3 answers Share Flag
Fri Mar 4, 2011
Linda Arroyo answered:
Hi rick, the comments above from the other realtors is correct this is a special property and would definitley need to be look at before a value is given. I am from the Imperial valley and I will be in Imperial today if you would like me to take a look at it. Call me or email me whatever is most convenient for you. ... more
0 votes 5 answers Share Flag
Tue Sep 14, 2010

You did this back wards. House first , then the car.

Moving on. If you have excellent credit this will be minor. A Loan Officer can run your credit and request what is necessary to get your scores up to the desired levels from the Credit Repository. .... Happy funding, Rudi ... more
0 votes 4 answers Share Flag
Mon Sep 13, 2010
Frederic Din answered:
HI Maria, thank you for posting your questions on

Your question is not a matter of "having to wait or not", it has to do with your overall credit and mortgage approval qualifications. The simple fact of having your credit run does not necessarily mean you have to wait to buy a home, there are more factors that take place, such as:

1) Overall credit history
2) Income
3) Monthly debts
4) Savings/money available

All of these factors are important when buying a home and a mortgage loan officer can discuss the specifics with you and provide a free pre-qualification and even a free pre-approval.

Feel free to contact me for additional information on how you can become a homeowner in 2010.

Thank you,
Frederic Din, REALTOR(r)

... more
0 votes 1 answer Share Flag
Sun Jan 18, 2009
Sonya Kamer asked:
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