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Financing in Laguna Niguel : Real Estate Advice

  • All105
  • Local Info10
  • Home Buying26
  • Home Selling7
  • Market Conditions8

Activity 5
Fri Jan 13, 2017
Sheryl Arndt answered:
Hello, you may consider 5% down Jumbo with a minimum 720 fico score from 417k up to 1.5 million and 10% down from a minimum 680 fico score and up to 2.5 million. You will need 20% down to purchase over 2.5 million.

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 or CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
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Sun Jan 11, 2015
Caroline Gerardo Barbeau answered:
Chris I have a couple programs please call me
(949) 784-9699
0 votes 4 answers Share Flag
Thu Dec 18, 2014
Bryan Horn answered:
Wells Fargo is the largest lender for construction loans and can even lock today's low interest rates for 6 months or more into the future. We are also the bank that does the most VA loans and we don't charge processor or orgination fees on VA loans.

But - we don't have lot or land loans at this time. But feel free to contact me so I can assess your situation to see how we may help.


apply online
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0 votes 2 answers Share Flag
Mon Mar 10, 2014
Jaleesa Peluso answered:
Hi Saintsfan!

Thanks for posting this question on Trulia. I think that it will be a good idea to talk to your real estate agent. As agents we deal with lenders all the time and after so many transactions we can tell you which loan officers are honest people who look out for your interests and deliver on time, and which ones do not. I have a few go-to mortgage brokers and I recommend them to all my clients (remember there is no kickback in it for us, so it is just our honest opinion). If my client can't figure out the best loan for him with one of the officers, we put him in contact with the other. Either way these are all people I like to work with and whom I trust.

Would you like me to put you in contact with one of my recommended loan officers? She is a top loan officer here in coastal Orange County. She is extremely qualified to help you find the right mortgage and very non-pushy (which I personally really appreciate about her :) ). Call me at 949 395 0960 or e-mail me at

Have a great day!
Jaleesa Peluso
Berkshire Hathaway Laguna Beach
949 395 0960
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1 vote 13 answers Share Flag
Fri Apr 30, 2010
Emily Knell answered:
I think it's still considered a purchase money loan, because even though you're probably on title because of the AITD contract, you were never the primary borrower.

The big question is, where is the home value now in relation to what is owed by the primary borrower / 'previous owner'. If the current loan amount is less than what you can get it appraised for, a short sale would be the only way you could get the loan in your name.

Let me know if you have any questions. I won't respond to this thread so email me directly. Alternatively you could call my lender if you'd like to talk to her about putting the loan in your name. She works weekends: 562-552-1191 or
562-430-3053 cell
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