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Home Buying in Orange County : Real Estate Advice

  • All340
  • Local Info10
  • Home Buying184
  • Home Selling28
  • Market Conditions6

Activity 1,939
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
Mon Jan 2, 2017
Chelsiepaige23 answered:
We recently closed on a home loan with Homestreet Bank (out of San Diego) and could not be happier. Our Loan Officer, Niki Campbell, was without a doubt the absolute best person we have ever worked with during many, many years of home buying throughout the US. She was always available with fast, friendly, knowledgeable, and extremely professional responses - whether we contacted her via phone, email, or text.
Niki worked very hard to get all our documents in order, processed, and approved so that we could close in less than 3 weeks (amazingly fast - at least for this area). Even after closing and the loan fully funded, Niki followed up to say "Congratulations" and to ensure we were satisfied and also to see if there was anything she could do for us. If only all account executives were this friendly and professional...

Our hats off to Niki and Homestreet Bank - thank you very much for all you've done for us. We highly - highly recommend calling Niki if you need a home loan at (619)-550-7541.
... more
0 votes 7 answers Share Flag
Sun Jan 1, 2017
answered:
Hello Robbievill, yes sure you should before you retire. 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 up to 417k. 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 to 2.5 million.

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 92688 zip code start from 205k for a studio condo, from 265k for 1bd 1ba condo, from 269k for 2bd 1ba condo and from 429k for 3bd 2ba condo and up.

You will need to be pre-approved to be able to meet an agent to view and submit offers on homes of your choice. You will need to gather one month paystubs, two month bank statements, last two year tax returns including 1040s, 1099s, W2s and all schedules and copies of your drivers license or ID and social security cards for each applicant.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and 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
Tue Dec 27, 2016
Nicole Fedorchek answered:
The down payment amount can be as low as 0%, depending on the loan program. It could also be 3.5%, 5%, or higher, depending on what you qualify for.
Please contact me for more details! ... more
0 votes 2 answers Share Flag
Tue Dec 27, 2016
Nicole Fedorchek answered:
Rent-To-Own can be tricky! But I can definitely help you!
Nicole
0 votes 4 answers Share Flag
Thu Dec 15, 2016
Rich Reed answered:
Prior to November, 2014, Realtors in CA used form WPA to identify who was going to prepare a termite report, who was going to pay for the report, the scope of the report, and who was going to pay for repairs recommended by the report. The WPA form was discontinued because those sellers who agreed to pay for repairs recommended in an inspection report that they had not yet seen and for which the inspection was not yet conducted were often surprised at the scope and cost of recommended repairs. Sellers did not agree in advance to pay for repairs, whether the discovery had to do with a roof, pool, foundation, plumbing or any other problem (unless your specific contract says otherwise). A property is usually sold in as-is condition and a buyer would first get inspections and then ask the seller to pay for repairs or correct defects. You should ask your Realtor about your specific contract and seek advice from legal counsel where appropriate. Hope this helps!
I am a real estate broker qualified to advise you on California real estate matters, not the law. If you desire legal advice, consult with an attorney.
... more
0 votes 1 answer Share Flag
Wed Dec 7, 2016
Scott Godzyk answered:
A bunch of red flags, first the sellers bank does not set any price. The sellers bank will approve or reject the sale based on the sales price in relation to actual market value. Second, the sellers bank will not ask for a nogtiating fee, that fee is being paid to a negitiator. Now you can put in your offer that you want pay it and risk not getting the home, or you have to pay up. NEXT you should not pay it up front but it shoul dbe paid on the HUD when you actually close. There are way too many scams. Now you should really have a buyer broker who is well experienced in short sales to guide you and let you know what is real and what is not ... more
0 votes 2 answers Share Flag
Mon Dec 5, 2016
Shannonlamp26 answered:
Hi out there i want to urgently sell my car 2012 Toyota Camry Hybrid XLE rust free and have not been invovle in any accident
Mileage 36,012 miles
9,103 below average
MPG 40 city / 38 hwy
EPA Fuel Economy Guide
Style XLE 4dr Sedan
Engine 2.5L I4
Transmission Cvt
Fuel Gas/Electric Hybrid
Drive Train FWD
Exterior Color White

if interested text at (951) 223-5124 for more info and pics
... more
0 votes 19 answers Share Flag
Fri Dec 2, 2016
Sharonmc89 asked:
Tue Nov 22, 2016
Alysse Musgrave answered:
When you want to buy a home, hire an Exclusive Buyer's Agent to represent you, not a regular buyer's agent. EBAs represent homebuyers only, so there is no conflict of interest to jeopardize your negotiating position. Contact http://naeba.org for a referral to an EBA who will give you valuable advice, not a sales pitch.

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


Alysse Musgrave
Consumer Advocate/
Exclusive Buyer Broker
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
Tue Nov 22, 2016
Nicole Fedorchek answered:
Now is a good time to buy! Interest rate continue to be low!
Contact me directly, and I would be glad to assist you !
Nicole
0 votes 3 answers Share Flag
Tue Nov 22, 2016
Nicole Fedorchek answered:
Hello!
There are some options for you, its best to speak to a mortgage professional to explore your options! I have a few referrals for you!
Contact me directly, and I would be glad to assist you further!
Nicole
... more
0 votes 2 answers Share Flag
Tue Nov 22, 2016
Nicole Fedorchek answered:
Hello!
I am a local Realtor, and I can assist you with this! There is currently 1 unit available in this complex- a 4-bedroom listed at $569k.
Please contact me directly if you would like additional information!
Nicole
... more
0 votes 1 answer Share Flag
Sun Nov 6, 2016
Nicole Fedorchek answered:
This community in Orange has a mix of single-family homes and attached townhomes/condos. There are approximately 400 units total.
Nicole
0 votes 1 answer Share Flag
Thu Oct 27, 2016
Nicole Fedorchek answered:
This land lease runs for another 23 years.
Nicole
0 votes 1 answer Share Flag
Thu Oct 27, 2016
Nicole Fedorchek answered:
YES! VA Loans can be used in Laguna Woods! I would LOVE to assist you as your Realtor ! I have assisted several VA clients this year, and it is SO rewarding to help our veterans purchase the home of their dreams! I have an awesome VA Lender that I work with as well!
Contact me today to get started!
Nicole
... more
0 votes 2 answers Share Flag
Thu Oct 20, 2016
Danny Ponder answered:
We offer down payment assistance grant (non-repayable) of up to 5% of the loan amount. Its a great program if funds to close are tight. please let me know if you have any questions about this program. ... more
0 votes 4 answers Share Flag
Tue Oct 18, 2016
Jammie.tam answered:
Excellent post . I loved the info ! Does anyone know where my assistant might be able to access a fillable CAA Form 3.0 form to edit ?
0 votes 7 answers Share Flag
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