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91320 : Real Estate Advice

  • All22
  • Local Info3
  • Home Buying8
  • Home Selling0
  • Market Conditions1

Activity 17
Wed Nov 22, 2017
Frank S. answered:
Hello Sue, why short term lease? You did not mention how many bedrooms, baths or the maximum payment you are looking to afford? You may have to put additional deposits as well for pet deposits.

The rentals in Thousand Oaks start from $1,335 for a studio apt, If you figure out what cites/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. Check out the web reference link below...
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Mon Nov 6, 2017
Frank S. answered:
There is no such thing. Rent to own are risky and usually want 10-15% down which is non refundable. You pay a higher rent and it goes up annually until you can qualify to buy. You may already qualify to buy with FHA financing.

You should study RENT vs BUY listings to compare payments and qualifications. You may qualify to buy and pay less than rent in many cities and states.

If you have lower scores between 500-579 you may consider 10% down FHA and 3.5% down with a minimum 580 fico score. If you have a minimum 620 fico score you may consider 3% down conventional.

Your scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary. Don't disqualify yourself and get pre-approved to find out your purchasing power or what you have to do to be approved.

You may even qualify to buy with minimal out of pocket expenses in CA with down payment and closing cost assistance programs. Check out the web reference link below...
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Sat Jun 4, 2016
Mary Ann Jenks asked:
Thu Aug 13, 2015
Jacqui Rum answered:
Hi Pam

I'm known around the Conejo Valley as The Rental Queen.
I do mostly rentals and would love to assist you in your search if you are still looking.
Feel free to reach out to me:
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Sat Jan 31, 2015
Noah Seidenberg answered:
Contact Trulia support and report it to them.At the bottom of the page you see a help center link that will direct you to the proper channels
0 votes 1 answer Share Flag
Mon Jan 14, 2013
Tina Hare answered:
You should definitely talk with my mortgage consultant Planatek Financial. They are honest and get great rates. They love working with first time homebuyers. Tell them I sent you. ... more
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Tue Oct 16, 2012
Jaki Carroll answered:
Mon Sep 5, 2011
Maggie Hood answered:
Hi again, I just answered your question and then realized that you can find a lot of information about the Housing Authority and various housing assistance programs on their website :

I hope you find a place for yourself and your daughter. You can probably also check online for property management companies in Newbury Park and see a list of their propeties.
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Tue Jun 7, 2011
Darla Dennis answered:
Hello Sh,
Sometimes Seller's will get offended by a lower offer. I do agree with what has been stated. If you really want the house, make another offer, contingent on all your inspections. They may not want an FHA because they don't understand. Usually the only reason they would say no would be that they know it will not pass FHA guidelines. We have a Great Buyer's market. Keep looking while you investigate this further. Bottom line, is the Seller has the right to refuse an offer at anytime. "sometimes a white dog is just white-no reason or rhyme" ... more
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Sun Apr 3, 2011
George Cabrera answered:
Casa Oaks offers a great layout with over 1000 sq ft. plus it is near the 101 freeway. Feel free to contact me if you have any questions or visit their website provided below. Let them know Jorge ... more
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Sun Aug 1, 2010
Sylvia Barry, MAS,CIPS,SRES answered:
Hi Rob (Spinosa):

Sounds great. I did not know you can do that. To remove tax liens on a home, do you need to somehow pay that off? Will be interested to learn that.

Also, sounds like you have loans for people with bad credit, low downpayment and good income. I did not know that exists now a days. Would love to learn a little more about that.

Some details would be great.

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0 votes 6 answers Share Flag
Thu Jun 10, 2010
Bonnie Sterling answered:
Sh, Be sure that you deal with a local lender, especially on a low down payment program. There are some programs but I will tell you that I had a client who was recently quoted a 10% down on a loan amount over 417,000. When it got back from underwriting, after the buyer had paid for an appraisal and inspection, the lender, who I have great respect for, was told that the area, Moorpark, was considered a soft market condition and the buyer was asked to increase their down payment, 5% that they didnt have.

I have seen a few of your posts. It seems that you are desperately trying to fit your finances into a home that may be too much of a stretch for your FHA and lower down payment abilities. Perhaps your agent is too afraid to be the one to disappoint you by saying; pick something solid and good that you can afford. The market conditions are tough, and the lending environment is even more difficult. If you stretch and push, you may get disappointed in the end. OR, perhaps your Realtor has already said these things and you are hoping for other options by looking here for more answers.

You are smart to look and questions but in the end purchase within your means. Stressing out about qualifying and paying more than you can afford may not be they lifestyle you thought it would be when you saw the wonderful twinkle of a flipped home. They can be gorgeous.
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Thu Jun 10, 2010
Bonnie Sterling answered:
Hi Sh, So, what happened in the end. Did you enter into a contract to purchase the home? Or still house hunting?
0 votes 6 answers Share Flag
Mon May 24, 2010
Steven Ornellas answered:
Hi Sh,

The mortgage professional you eventually decide to work with is the best source for this information. The use of percentage estimates, as Barry suggests below, is also quite common. However, if you seek to understand the breakdown of costs and want to compare Escrow providers’ cost structures at the same time you can use to review estimates.

Please review this 2-page primer on "rate shopping" before you contact a broker so you are informed about the process:

Also if you are interested in understanding what pushes mortgage rates up/down also see:

Best, Steve
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Mon May 17, 2010
Bonnie Sterling answered:
Hi Msrcc55,

I see a lot of agents answered your question trying to guess about whay you meant by when an estimate is figured. I think I would want to know which estimate to answer your question mindfully. Was is an appraisal, a Realtors estimate, a lenders estimate (sometimes they use a service that gives them a range for what the appraisal might come in at) or an appraisal. Share more please. ... more
0 votes 6 answers Share Flag
Mon May 17, 2010
Barry Shapiro answered:
Hi Shirley,

We have two licensed agents on our team that live in Newbury Park.... The condo at 1448 Ramona Drive is the only current 'active' listing for under $300K. Let us know specifically what you are looking for, so we may better serve your needs. In the interim, here is the link to the Newbury Hills 2+1: ... more
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