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Los Angeles County : Real Estate Advice

  • All509
  • Local Info30
  • Home Buying263
  • Home Selling32
  • Market Conditions12

Activity 12,463
Sun Jul 9, 2017
Rich Reed answered:
Hi, Anthony, I don't work for Trulia, but here is a link with information about canceling your account: https://support.trulia.com/hc/en-us/articles/207048217-How-do-I-delete-my-account-

If you would like to work with a local Realtor, please contact me through my profile or visit my website. http://sgvre.net

Thanks!
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Sat Jul 8, 2017
Robert Spinosa answered:
This scenario (5% down with a $1.2MM purchase price) is something we can finance and your profile would appear to fit from all aspects. The 95% jumbo requires a 720 FICO score and 9 months of asset reserves. We can use retirement accounts to meet the reserve requirement (and they do not need to be liquidated). There is no PMI on this program, though as other comments have suggested, the "risk factor" for this loan is priced into the rate itself (this works very much like LPMI or "lender paid mortgage insurance"). The loan options are 30-year fixed or 5/1 ARM as well as a 40-year fixed with interest-only payments for 10 years.
There are no prepayment penalties.

If you have questions or require additional detail, don't hesitate to get in touch. Thank you.
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0 votes 40 answers Share Flag
Sat Jul 8, 2017
Robert Spinosa answered:
While we cannot help illegal immigrants purchase real estate in California, we can assist those on valid work visas (of course, permanent resident aliens/Green Card are treated just as US citizens). When financing a jumbo loan for a non-permanent resident alien (H-1, L-1, etc.) we typically require two years of tax returns and established US credit history. These tend to be the critical items. So long as the borrower has them, we can then go up to a purchase price of approximately $1.6MM with as little as 10% down, and higher in purchase price with 20% down. Where the loan amounts are conforming, the documentation requirements can be less.

If the borrower is a citizen of another country and not on a work visa, then we have foreign national loan options as well. These require that the property is a second or investment home. The starting down payments on these tend to run around 40%.

Let me know if any questions on these programs and I am happy to provide additional detail.
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0 votes 9 answers Share Flag
Sat Jul 8, 2017
Kathy Burgreen answered:
There is no cost - it's FREE! Go to Zillow Rental Manager, post your listing there and it will sync to Trulia within 24 hours. Zillow and Trulia are the same company.
0 votes 1 answer Share Flag
Fri Jul 7, 2017
Jackman0977 answered:
I grew up in the area directly north of the facility. At the time it was referred to as Milliken Hills (sp?). My mother remembers seeing the big trucks drive back into the hills at night... I also remember riding our bikes down the dirt roads and riding past gates with big yellow radiation signs on them. (I was about 6-7 years old, zero idea what that meant - this was in the early 80s) We dug forts back there and literally spent ALL of our days there. My brother ended up with Stage 4 breast cancer that matastisized into his spine. Our family does not carry the gene. We have both suffered from almost non stop bloody noses our entire lives... Again which no one else in our family has. For the people saying that you have a chance of getting cancer anyway, that's ridiculous. I would think twice before I allowed my kids to play in nuclear waste. That's no trade off for good schools and beautiful scenery... That is absolutely NOT what I would consider to be a "safe" place to live. ... more
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Fri Jul 7, 2017
Nick Tkachenko asked:
Fri Jul 7, 2017
Peggy Sun answered:
the seller usually pay for the city transfer tax
0 votes 11 answers Share Flag
Fri Jul 7, 2017
UpNest Top Realtors answered:
We created UpNest (http://www.upnest.com) to help home sellers get the best value possible. All you have to do is submit a few details about your home, and we'll invite several top local agents to submit proposals to you. Since agents are competing to earn your listing, they bring out their best commission rates and value added services, saving you a lot of money. There's no risk to try us out at all, and it's completely free for you. http://www.upnest.com Good luck! ... more
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Thu Jul 6, 2017
Grape Prescion asked:
We spoke to a couple of renters and most(or all) of them were asking for the credit report for each occupant although we already informed them that only one will be responsible for rental.…
0 votes 0 Answers Share Flag
Thu Jul 6, 2017
Rich Reed answered:
Hi, Martin. Do you mean a contract that you've already signed? Month-to-month or a long term lease? If you honor the contract or successfully negotiate an agreement to terminate it, there should be no effect on your credit score. If you breach the contract, the landlord may ding your credit and/or file suit. Consult with an attorney.

If you haven't signed a rental or lease agreement, there should be no impact on your credit score, except possibly very minor due to the landlord's credit inquiry, if one was made.

If you are/were represented by an agent, check with your agent.

Hope this is helpful!
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0 votes 1 answer Share Flag
Thu Jul 6, 2017
Donald D. Hensel answered:
North Coast Financial provides fix and flip loans in California and has over 35 years of hard money lending experience. Financing of up to 75% of the purchase and up to 75% of the rehab costs is available. http://www.northcoastfinancialinc.com/fix-and-flip-loans-rehab-loans/ ... more
1 vote 4 answers Share Flag
Thu Jul 6, 2017
Global Funding Solutions answered:
Do you need a Personal/Business loan without stress and quick approval today?info@globalfundingsolution.net
0 votes 183 answers Share Flag
Thu Jul 6, 2017
Donald D. Hensel answered:
Many banks do not want to lend to foreign nationals but many hard money lenders will.
http://www.northcoastfinancialinc.com/hard-money-lenders-california/long-beach-hard-money-lenders-loans/

Hard money lenders are also able to look past other issues such as lack of or poor credit as long as the borrower is able to provide a sizable down payment (30%+).
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1 vote 9 answers Share Flag
Thu Jul 6, 2017
Californiahardmoneyloans answered:
"Making Hard Money Easy!"

California Hard Money Loans specializes in placing our California clients in quality, fair, asset based loans designed to close in as little as 5 days.


At California Hard Money Loams decisions are ALWAYS based on equity, property type, and purpose and NEVER on Credit, Income, or Payment History!

We have programs for full time Real Estate Investors, First time flippers, Cash Out for Buisness Purposes, Probate loans, or for just about anyone with sufficient equity needing a cash infusion to get back on track!

We work with our investors directly to provide financing with quick closings based on equity, property type, and purpose alone and WE make the final decision on a case by case basis using a common sense approach to each individual's needs.

If you have the equity California Hard Money Loans has right program for you!

For more information email us californiahardmoneyloans@gmail.com
or call us directly at 855-800-1900
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0 votes 73 answers Share Flag
Thu Jul 6, 2017
Paula Sanders answered:
Not furnished. One bedroom, one bathroom, lots of closets, parking, accepts dogs, need balcony or patio. It can be Palms, Mar Vista, Culver City, West Los Angeles, Beverly Hills, West Hollywood, as Far East as Fairfax & Pico, Olympic. No more than $2,000. W&D, pool, gym all would be amazing also. 818-438-0860 Paula Sanders ... more
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Thu Jul 6, 2017
RandySims answered:
Anyone looking for a Florida Real Estate License should check out Rowlett Real Estate School. They are doing live Pod Cast training with a live instructor. You can take the class from anywhere on any computer. I hear the classes are great. ... more
0 votes 42 answers Share Flag
Wed Jul 5, 2017
Ken Haydis asked:
Wed Jul 5, 2017
Sheryl Arndt answered:
Hello Mark, most banks limit their number to four but I am sure there is one in our line up. Do you need all six incomes to qualify for what price range you are looking? How many bedrooms, bathrooms, square footage, single story or two story, cities or zip codes you are considering.

Do you have funds for down payment and closing costs or do you need down payment and closing cost assistance programs? The rate is most likely going to get set by the middle score of the lowest individual score.

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 and you can be emailed listings to fit your search criteria.

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
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