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Home Buying in Los Angeles : Real Estate Advice

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Yesterday at 7:19am
Walter 'Skip' Kersten answered:
Hi Mike,
I am sorry about your troubles. First, determine if the person in question is an agent or a broker. Real estate agents are only licensed to sell through a broker. If he/she is an agent, contact the broker and discuss how to remedy the situation. If the person is a broker, the problem gets more complicated. The purchase contract you signed states the broker who is representing you. IMO, you would need to cancel or amend the contract and find someone else to represent you. The original broker will more than likely will still demand a commission.
Good luck,
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0 votes 1 answer Share Flag
Thu Feb 23, 2017
Jeff Haring answered:
According to the California Association of Realtors the curtains would be considered to be INCLUDED in the sale along with all other window coverings. When it comes to the method of attachment, notably permanently affixed or fixtures in the strictest sense one may argue that curtains can easily be removed and thus are not included. But this is one exception to that rule and is specifically stated in the contract under the section that clarifies what is included or excluded.

The term is used in a broad sense and causes confusion among buyers and sellers. It probably should be spelled out as to what exactly is a window covering but I consider anything that covers a window to fall into this definition. Shutters, vinyl blinds, sheers, valances, mini blinds and curtains all fall under the "coverings" category. Until there is more clarification, consider curtains as items that are passed on to the buyers along with the rest of the house..

When in doubt, ask your agent for clarification on what stays and what doesn't in the sale. It should all be clearly stated on your purchase agreement.
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0 votes 16 answers Share Flag
Tue Feb 21, 2017
Valli Lopez answered:
There are modular home companies that help you buy the lot and manufactured home, or you can buy the land and build new Detached SFR on the land and finance all of it. We provide financing with just 3.5 percent for the land and construction combined. Good deal, huh?

Valli Lopez
NMLS 980530
619.916.9595
Valli@ValliLopez.com
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0 votes 1 answer Share Flag
Sat Feb 11, 2017
Dav3 answered:
Pretty simple...the banks in California will do 50yr loans.
0 votes 65 answers Share Flag
Wed Feb 8, 2017
Susie Kay answered:
I would suggest that you pick up the phone and talk to a lender or two.
0 votes 3 answers Share Flag
Tue Feb 7, 2017
A.becky1226 answered:
Tue Feb 7, 2017
Sheryl Arndt answered:
Yes there are many choices including single family homes in East, South or Central Los Angeles under 400k.

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.

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. You will need to gather some documentation for each applicant.

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 are buying a primary residence you could consider a down payment assistance program such as CalHFA or Sapphire Grant which can cover your down payment and closing costs. You may close with minimal out of pocket expenses. You may consider the CalHFA from a minimum 640 fico score and the Sapphire Grant from a minimum 620 fico score up to 424k.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 424k. 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 424k.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
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0 votes 3 answers Share Flag
Tue Feb 7, 2017
Uptownben84 answered:
You can find information about who owns property by looking at your county's public records.
0 votes 15 answers Share Flag
Thu Jan 26, 2017
Kings answered:
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0 votes 24 answers Share Flag
Sun Jan 22, 2017
Rich Reed answered:
Hi, Astrid. Contact a local Realtor. We serve the San Gabriel Valley. Your Realtor can contact the owner and negotiate a purchase.
0 votes 1 answer Share Flag
Wed Jan 18, 2017
Alysse Musgrave answered:
No, the mortgage company would never visit the property. They hire appraisers to do that. You don't need a new appraisal...just an update. But it's probably cheaper/more efficient to just provide the documentation that is being requested.


Buying a Home? Don't Let Them Make a Monkey Out of You! Follow the link below.


Alysse Musgrave
Consumer Advocate/
Exclusive Buyer Broker
http://HelpUBuyAmerica.com

Best selling author of Buying a Home: Don't Let Them Make a Monkey Out of You!
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Tue Jan 17, 2017
Angelica P answered:
Hi,

I apologize for any inconvenience this has caused and am happy to help you troubleshoot. Please make sure to check your Spam and Junk folders, as sometimes the emails can get stuck in spam filters.

To troubleshoot, please add the following email address to your safe senders list or address book in your email account: updates@trulia.com


Thank you for using Trulia!

Angelica
Consumer Care Advocate
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0 votes 1 answer Share Flag
Mon Jan 16, 2017
Rich Reed answered:
Here you go: http://crmls.stats.10kresearch.com/infoserv/s-v1/QzDA-wmp
0 votes 1 answer Share Flag
Sat Jan 14, 2017
Kathy Burgreen answered:
As a former realtor, there are several mistakes with your question:

1. Your statement "My agent told me that once escrow closes and they give me the check back, I have to go cash it and give her $3,000. because she is saying that she put that amount (as a favor) towards escrow."

In the sentence above you indicate this agent is working for your parents who was waiting for a sale to close. If your parents are the clients, no agent will talk to you or get you involved with escrow, checks, etc. This is between your parents and their agent. The exception is if your parents are not coherent and you have a Power or Attorney to act on their behalf to buy a home. With a Power of Attorney signed, then your parents agent will work with you.

2. When buyers purchase a home, any money deposited into an escrow account must be kept separate from other funds and is documented. As buyers, you should get a receipt with the amount deposited, financial institution and account number. If you did not get a receipt, this is fraud.

3. On the closing documents, it will state all amounts deposited / down payment and all credits applied. It will list items paid - taxes, insurance, fees, etc. An agent can give a rebate to their buyer clients but this is AFTER closing and is separate from the real estate transaction. Not all states allow this and not all agents do this. If the agent wants to give a rebate, the money will be from their personal account - not from the escrow account or from the real estate transaction. Most likely the agent's rebate will be from their commission paid.

4. If an agent tells you something different than #3 - such as the $3,000. has to do with escrow, this is fraud and you need to report this to a real estate attorney.
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0 votes 6 answers Share Flag
Wed Jan 4, 2017
Deb answered:
I am not an attorney. but i do not see how these people keep your deposit & I don't see how you can be committed to the contract as the seller has now declined your offer.As they are now rejecting your offer , I can't imagine that they have a legal right to keep your money.
Again.I am not an attorney.I recommend that you consult one other than the one you spoke with.
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0 votes 1 answer Share Flag
Fri Dec 30, 2016
Anthony Mercado answered:
If the home was damaged during the break in you may have grounds for backing out, also if you have not removed your buyer contingencies and your inspections periods are not up you may also have the grounds for backing out and your deposit being returned (per CAR standard contract) check your contract and check with your realtor, ... more
0 votes 14 answers Share Flag
Fri Dec 9, 2016
Iman asked:
I applied for loan to buy a house. Bank locked the interest rate. My documents are complete and the loan is approved, but since the agent was busy he had to extend the interest lock duration…
0 votes 0 Answers Share Flag
Mon Dec 5, 2016
Derek Jones answered:
Wed Nov 30, 2016
joseg answered:
Interesting thoughts i used these people.

http://pacificcoastheatingandairconditioning.com/heater-repair-west-hills-ca/
0 votes 23 answers Share Flag
Sat Nov 19, 2016
Billc answered:
0 votes 12 answers Share Flag
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