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Mission Viejo : Real Estate Advice

  • All103
  • Local Info5
  • Home Buying41
  • Home Selling3
  • Market Conditions6

Activity 123
Wed Dec 21, 2016
Sheryl Arndt answered:
Hello Charles, 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 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.

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 636k. 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.

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.

If you want to buy 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 documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040s, 1099s, W2s 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.

The purchase in Mission Viejo 92692 start from 410k for 2bd 2ba condo and up...

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
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 1 answer Share Flag
Mon Nov 14, 2016
Scott Godzyk answered:
Usually never and in the rare case, only with the owners permission, most often accompanied by a hold harmless signed by the buyer and insurance if anything is being put in the home
1 vote 3 answers Share Flag
Mon Oct 17, 2016
Angelica P answered:
Hello,

To post your home for sale by owner on Trulia, click the link below and select Submit listings for sale.

http://www.trulia.com/submit_listings/

You will be redirected to our partner site, Zillow. Once you activate your listing on Zillow, it will appear on Trulia within 24 hours.


For future reference, you can feel free to contact us about this type of inquiry through our contact form here:

http://www.trulia.com/help/ask/


Thank you for using Trulia!

Angelica
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Fri Jun 10, 2016
Albertjdelrio asked:
Can you please place 24741 Pallas Way, Mission Viejo, CA 92691 as backup?
0 votes 0 Answers Share Flag
Sun Jun 5, 2016
Sheryl Arndt answered:
Hello Rachelle, the rentals in Irvine start from $1,350 for a studio condo, $1,499 for 1bd 1ba condo, $1,900 for 2bd 2ba condo, $2,400 for 3bdf 2ba condo and the single family homes start from $2,400 for 2bd 2ba home.

The purchase in Irvine start from 233k for 1bd 1ba condo. You may qualify to buy with minimum out of pocket expenses which would be less than first, last and security of rentals...

I don't do rentals but will give you the contact information to call and go directly to any of interest. 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 should study RENT vs BUY options as you may qualify to buy and pay less than rent in many local cities. You may qualify to buy with minimum out of pocket expenses and pay less than rent.

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.

If you decide to buy 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.

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% Sapphire Grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid.

Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

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 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 5 answers Share Flag
Wed Jun 1, 2016
Mark Priegel answered:
Call me Mark Priegel, Keller Williams Realty, 9496339494.
0 votes 2 answers Share Flag
Mon May 23, 2016
Nicole Fedorchek answered:
It means that the property is currently in escrow, and the seller is not accepting any more offers.
Nicole
0 votes 1 answer Share Flag
Wed May 18, 2016
Rich Reed answered:
Pending (P): The seller has accepted an offer and is not soliciting offers through the
MLS. This is an Off-Market status.
0 votes 1 answer Share Flag
Tue May 17, 2016
Jeanne Cordell answered:
I saw in the listing there is a leased land fee. How much is that and what does that mean concerning home ownership?
0 votes 3 answers Share Flag
Wed Mar 30, 2016
Nicole Fedorchek answered:
You can't post FSBO on this site. I would love to work with you as your listing agent. I offer competitive commission rates, full marketing, and top notch service. Please contact me directly to discuss further!

Nicole Fedorchek, Tarbell Realtors
Gold Circle of Excellence
714-914-5097
realtornicolef@gmail.com
BRE 01920370
... more
0 votes 1 answer Share Flag
Mon Mar 7, 2016
Rbmom1999 asked:
Since I have by text message from him that he left key on counter, to put anything of his in garage, and that he will leave the mailbox key and the opener once he gets rest of stuff, can…
0 votes 0 Answers Share Flag
Tue Feb 23, 2016
Arpad Racz answered:
Hi,

Some owners still prefer wood for the look, while it is still in good condition.

Kind regards,

Arpad
0 votes 33 answers Share Flag
Wed Feb 10, 2016
Alexander Greer answered:
Prices already reflect any current and past police reports.

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
... more
0 votes 1 answer Share Flag
Wed Jul 22, 2015
UpNest Top Realtors answered:
Hi Cindy,

Trulia doesn't allow FSBO homes listed manually. You would have to pay a premium for a flat fee listing service. The NAR states that FSBO homes typically sell for an average of $184,000 compared to agent assisted homes at $230,000. That's a big difference! So selling with an agent will usually get you more money in the end, and it will sell faster with less hassle on you.

We created our service (http://www.upnest.com) for home sellers looking for the best deal possible. Agents will compete against each other to earn your listing, so you're more likely to receive a great commission rate. You'll also be able to compare agents so you can select the best agent possible! There's no risk to try us out, and it's completely free for you!

http://www.upnest.com

Good luck!
... more
0 votes 6 answers Share Flag
Wed Jul 22, 2015
Art Welch answered:
Look up the HOPA rules, the way I read it an adult community is exempt. The fact that a person is in a wheel chair does not give them the right to break the HOPA rules.
0 votes 1 answer Share Flag
Wed Jul 22, 2015
Art Welch answered:
How did you do your calculations the 10% down should be a higher rate? The 20% has no MI did you look at all the closing costs 10 vs 20? Also you might look at 20% down but a fixed at 7 or 5 years. The extra payment made on the interest savings might help a great deal. Are you planning on staying there more than 7 year? ... more
1 vote 5 answers Share Flag
Wed Jul 22, 2015
Art Welch answered:
You want to bring the issue to the attention of your landlord or management company. They probably won't fix it until it is broke but a photo of the damage and a date time stamp along with an email to them and a copy for your self would protect you. Making them aware and stating you don't want to be responsible if it cause damage might spur the owner into fixing it now. Good luck. ... more
0 votes 2 answers Share Flag
Thu Jul 16, 2015
Ruth and Perry Mistry answered:
Mon Jun 29, 2015
Josh Barnett answered:
Call your Broker and ask them to train you on how to use Trulia.
0 votes 1 answer Share Flag
Wed May 20, 2015
Nora Moore answered:
It might be good to check with your HOA if you want to put in a fence. They tend to have regulations for stuff like that. If you're not a member of an HOA, it still might be good to talk to your neighbors and stuff. That's especially the case if your yards are fairly small. It can't hurt to ask around. http://www.qualitychainlinkfencing.ca/ ... more
0 votes 12 answers Share Flag
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