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Home Buying in Orange County : Real Estate Advice

  • All337
  • Local Info10
  • Home Buying183
  • Home Selling27
  • Market Conditions5

Activity 2,231
Yesterday at 5:15pm
Garnicavalerie answered:
My boyfriend bought a house last year and he is wanting to transfer the mortgage to my name being that we have two kids and we will be separating soon. What is the best way for me to become full owner of the propert? Should I buy the property from him? Refinance the loan and add me as owner? Or just get added on the deed? ... more
0 votes 15 answers Share Flag
Yesterday at 7:58am
Alysse Musgrave answered:
No, there's no way to get your money back. Contracts exist for a reason and you are bound by the terms of the contract you signed.

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


Alysse Musgrave
Consumer Advocate/
Exclusive Buyer Broker
(214) 734-3863
Alysse@HelpUBuyAmerica.com
http://HelpUBuyAmerica.com


Best selling author of Buying a Home: Don't Let Them Make a Monkey Out of You!
... more
0 votes 2 answers Share Flag
Thu Aug 17, 2017
Perezestrada6 answered:
Yeah get a different mortgage company and dont get suck in by higher interest rate . Make sure all credit card are at the lowest balance and you rate will be low when applying again for your home loan. ... more
0 votes 73 answers Share Flag
Wed Aug 16, 2017
Larry A. Aguilar answered:
What is the property tax rate for 92624?
0 votes 8 answers Share Flag
Tue Aug 15, 2017
Burgeesjason2 answered:
Consolidations, personal loans. You can also use equity in your property to settle debt review, finance home improvements and business. Finance moveable assets as security. Email:burgeesjason2@gmail.com ... more
0 votes 91 answers Share Flag
Mon Aug 14, 2017
answered:
Hello Whitehouse.b, that is fine and is your job the same field of work as your previous employments in 2003? You will need to have one month of paystubs to qualify but there are still questions.

The purchase in 92683 zip code of Westminster start from 375k for 2bd 1ba condo, from 475k for 3bd 2.5ba condo and the single family homes start from 549k for 3bd 2ba home.

You will need a minimum 500 fico score to qualify FHA and minimum 620 fico score to qualify conventional.

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

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
0 votes 1 answer Share Flag
Sun Aug 13, 2017
Miguel.melendres answered:
where can I find out the square footage of my home?
0 votes 9 answers Share Flag
Mon Aug 7, 2017
Nicole Fedorchek answered:
Sat Aug 5, 2017
Pambooven answered:
In zebulon or wendell nc look g to take over payments .
0 votes 22 answers Share Flag
Fri Aug 4, 2017
Jszamarripa asked:
Sat Jul 29, 2017
Jswingate5 answered:
We have people interested in buying our home on the contingent sale of their home. We will agree on a price but will continue to show our house. If we get an offer greater than the contingency price offer we are free to sell but must give a 24 hr. notice to the original contingent bid. If they come up with the agreed upon price it's theirs and if not we sell to the higher bid. This is how I understand it. What would be the disadvantages or advantages to us the sellers. ... more
0 votes 44 answers Share Flag
Sun Jul 23, 2017
Wienbergsuksass answered:
When you have a judgement against a property owner they will resort to this tactic in an attempt to hide the fact they are trying to liquidate assets and disappear before it can be enforced. That's WHY! ... more
0 votes 21 answers Share Flag
Thu Jul 20, 2017
Aaron.official2004 asked:
The money was take out of an IRA and the account was closed and documentation was gathered showed the balance before and the balance withdrawn. We are suppose to close next week.
0 votes 0 Answers Share Flag
Tue Jul 18, 2017
Trillestjaye answered:
Looking for a home to rent . credit aint to good just wondering if there is any help out there to get my family in a home. Please msg me with any information that would help out. Thanks
0 votes 12 answers Share Flag
Thu Jul 13, 2017
Rich Reed answered:
Hi, Mariposfuji. From "Surviving the Real Estate "Escrow" Process in California"

"The choice of escrow is normally agreed upon by the principals to a real estate
transaction and reflected in writing in the purchase contract. A seller may elect to
choose "ABC Company" and the buyer may choose "DEF Company," but both parties
must ultimately agree, like they must on all terms and conditions of a sale. If a real
estate broker is involved, it may be a common practice for the broker to recommend an
escrow company, especially if the broker continually does business with a particular
escrow officer or company. However, while a real estate broker may suggest an escrow holder, he or she may not designate an escrow holder as a condition precedent to a transaction.
It is also important to note that there are laws which prohibit the payment of referral
fees, rebates, and/or kickbacks between escrow, title, and real estate companies, for
the referral of business. Except for normal compensation between an escrow company
and its employees, Section 17420 of the Financial Code provides that for those under
the jurisdiction of the Escrow Law, it shall be unlawful for any person who pays over to
any other person any commission, fee, or other consideration for referring, soliciting,
handling, or servicing escrow customers or accounts. Basically, escrow holders are
prohibited by law from the giving of any consideration to a party as an inducement for
receiving an escrow. There are comparable laws that prohibit referrals fees and rebates
that govern real estate brokers and title insurance companies as well.
Please remember that when it comes down to the selection of the escrow holder, you as
the consumer always have the right to choose an escrow that is professional,
competent, reasonably priced, and which will fulfill your transactional needs."

The Realtor your mortgage broker recommended may be a good agent, but I would not recommend choosing any agent solely based on which escrow company that agent prefers to work with.

In the current market, the seller often reserves the choice of escrow providers, so you as the buyer may not have much leverage getting your agent's preferred escrow provider, although it would still be negotiable between the buyer and the seller.

Interview a few local Realtors and choose the best one suited to ALL your needs, not just escrow.

We serve Arcadia and the San Gabriel Valley. www.sgvre.net

Hope this is helpful!
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0 votes 1 answer Share Flag
Wed Jul 12, 2017
Barbarariggs answered:
We are considering a home in Bayshores on the ocean side of PCH. Is the black soot from planes flying overhead also a serious issue in this neighborhood? Where else can you get two private beaches and a gated community? Not sure if the plane noise would bother us as much as PCH:). Perhaps subjective but would like an opinion. ... more
0 votes 12 answers Share Flag
Tue Jul 4, 2017
Sally Grenier answered:
You can try, but it's likely your credit score has taken a hit. Only way to know for sure is to talk to a local lender. If you need the name of someone, let me know! I have a great lender who's in CA. ... more
0 votes 1 answer Share Flag
Sat Jul 1, 2017
Kathy Burgreen answered:
The way it works is lenders will call your employer the day before or the day of your closing to verify that you are still working there and to verify your income. Also lenders do a random check AFTER closing to verify employment and income. It's random so you may not get caught.

If you want to switch jobs, notify your lender immediately. If your new job is salaried and receiving a W2, you just need 1 month of pay stubs before closing on your new home. If your new job is an independent contractor or you will receive a 1099, lenders will need 2 years employment before qualifying you for a loan.
... more
0 votes 1 answer Share Flag
Sun Jun 25, 2017
Rich Reed answered:
The answer to your question is in the description, "hybrid community where you own your home and lease the land." It looks like the land lease payment is part of the community fee.
Hope this helps! ... more
0 votes 1 answer Share Flag
Sat Jun 24, 2017
Derek Jones answered:
As long as they sell for more than what they owe they can sell for whatever price they choose.
0 votes 1 answer Share Flag
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