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Home Buying in Orange County : Real Estate Advice

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  • Local Info10
  • Home Buying184
  • Home Selling28
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Activity 1,938
Wed May 10, 2017
Nicole Fedorchek answered:
This property is not for sale, but I can assist you in finding others that suit your needs!
0 votes 2 answers Share Flag
Thu May 4, 2017
Grgambale asked:
I have heard that coop financing is virtually non existent. I fully understand the difference between a coop and a house or condo, and I understand why there are different financing considerations.…
0 votes 0 Answers Share Flag
Tue May 2, 2017
answered:
Hello yelimkoo, you would need to put it in a bank account for two months to be seasoned to be included in a mortgage consideration. Are you in escrow already?

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 68 answers Share Flag
Tue Apr 25, 2017
Arpad Racz answered:
Hi,

Your local agent can set up an automated search that filters fixer upper properties. I have one set up for the Bay Area.
Kind regards,
Arpad
0 votes 1 answer Share Flag
Mon Apr 24, 2017
answered:
Yes you may consider conventional financing from a minimum 620 fico score and as low as 3% down these days up to 424k loan amount.

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 11 answers Share Flag
Thu Apr 20, 2017
Mail answered:
At the risk of opening a can of worms...

We are potentially looking to buy in the community. I know this thread is several years old now and am therefore reading it knowing that things may have changed since it was written.

So, to any current owners / residents, how have things been in the past couple of years? Any issues you think a potential buyer should be aware of?

Thanks in advance, and let's all try and keep things friendly if there are varying opinions!
... more
0 votes 84 answers Share Flag
Thu Apr 20, 2017
Abby373.2 answered:
0 votes 8 answers Share Flag
Wed Apr 19, 2017
answered:
Hello Akirick, you could have him do a gift of equity and you would not have any mortgage insurance or down payment otherwise you will need to qualify and have a down payment. You will need to qualify for a mortgage to purchase and the minimum down payment would be 3.5% FHA or 5% down conventional from a minimum 720 fico score.

You may consider 5% down Jumbo with a minimum 720 fico score from 424k up to 1.5 million and 10% down from a minimum 680 fico score and up to 2.5 million. You will need 20% down to purchase over 2.5 million.

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.

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 4 answers Share Flag
Tue Apr 11, 2017
Nicole Fedorchek answered:
Huntington Beach is a great community! Being local to the area, I know all the neighborhoods! Love to work with you !
0 votes 1 answer Share Flag
Mon Mar 27, 2017
Nicole Fedorchek answered:
Mon Mar 27, 2017
Nicole Fedorchek answered:
Hi, Mark! This question is best directed to your tax professional!
Nicole
0 votes 1 answer Share Flag
Mon Mar 27, 2017
Nicole Fedorchek answered:
0 votes 3 answers Share Flag
Mon Mar 27, 2017
Chuckmeyers1 asked:
Fri Mar 17, 2017
answered:
Hello, I'm a mortgage professional.

The best thing to do is get pre approved for a mortgage.

There are low and no menu down mortgages available.

You are welcome to get in touch with me if you have any questions or would like help with this. ... more
0 votes 1 answer Share Flag
Tue Mar 14, 2017
Nicole Fedorchek answered:
Hello! The next step to contact me so I can help you find the home of your dreams! As a local real estate professional, I am familiar with all areas in Orange County, and I will guide you through the process in a smooth and seamless manner!
Look forward to working with you!
Nicole
... more
0 votes 2 answers Share Flag
Wed Mar 1, 2017
Cassmccarty asked:
Sat Feb 25, 2017
Nicole Fedorchek answered:
After you sign loan docs, and before the loan is funded, the lender will typically do one final verification of credit and current employment.
Nicole
0 votes 1 answer Share Flag
Wed Feb 15, 2017
Nicole Fedorchek answered:
You will need an attorney to review!
0 votes 1 answer Share Flag
Fri Jan 20, 2017
Dfhallett answered:
Does the home buyer or home seller pay for the termite repairs what is the actual code 4 The Real Estate Association on who pays for the termite repairs
0 votes 20 answers Share Flag
Wed Jan 4, 2017
Nicole Fedorchek answered:
Hello-
There are a few mobile home parks where you own the land. I know of one in Fullerton and one in Lake Forest.
0 votes 1 answer Share Flag
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