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Pasadena : Real Estate Advice

  • All187
  • Local Info8
  • Home Buying56
  • Home Selling12
  • Market Conditions1

Activity 250
Sat Aug 5, 2017
Badriehcaraway asked:
I am the condominium owner of 65 N. Allen Ave. #216, Pasadena CA 91106; I just created my Trulia account and an error message displays when I try to list the apartment stating that there…
0 votes 0 Answers Share Flag
Tue Jul 25, 2017
answered:
Hello David, hotels would work as they are furnished and have kitchens in some. Some rentals may be available from month to month. You did not mention how many bedrooms, baths or maximum payment you are looking to achieve?

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.

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 Jul 2, 2017
answered:
Hello Jenny, I am afraid this may be a legal question we can not advise legally on this type of forum. You could consult with a free legal advice service such as the Inland Mediation Board. They are a free service for tenant and landlord disputes, questions, etc. Give them a call and keep us posted.

http://www.ifhmb.com/

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 Jun 4, 2017
answered:
Hello Katec, you could purchase with a standard 203k loan and include the remodeling in the purchase loan. The loan requires a cost/material consultant to coordinate any requirements of permits to be pulled by the contractor doing the remodel.

The estimate would of course vary by extent of the remodel, square footage added, upgrades of materials, roof add on - pitch, etc. Estimates will be needed from each trade of the work needed such as flooring, plumbing, framing, drywall, electrical, paint, etc. You can include up to 6 months of payments while the construction is going on if the property is in-inhabitable during the remodeling construction.

You may qualify for the 203k loans from a minimum 580 fico score and up to the maximum FHA loan limits of the county. Let me know if you have questions of the programs and the process. You may research 203k programs in the web reference below or click contact me on my profile.

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 Jun 4, 2017
answered:
Hello Marianne, you should always consult with a licensed agent to confirm the address and contact information before giving any information. You should also study RENT vs BUY listings to consider. Be very careful as there are a lot of scams out there.

How much do you pay in rent currently and what is the maximum payment you are looking to achieve? How many bedrooms and baths are you looking for? You may qualify to buy with less than first, last and security deposit of any rental with down payment and closing costs assistance programs.

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 any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

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 Mar 28, 2017
answered:
Hello Kateclavijo, most likely 30% down or less depending on your credit profile.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA or 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
Mon Mar 27, 2017
Suzanne Lukather asked:
Thu Mar 16, 2017
answered:
Why lease option if you may already qualify to buy with traditional financing? Lease options want minimum 10+% down and you may qualify to buy with FHA from a minimum 500 fico score with 10% down,.

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 424k. 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 424k.

If you are buying a primary residence 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 up to 424k.

If you decide 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 some documentation 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 any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA or 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 9 answers Share Flag
Thu Mar 16, 2017
answered:
Yes, If you are buying a primary residence 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 up to 424k.

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 424k. 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 424k.

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 decide 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 some documentation 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 any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA or 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 9 answers Share Flag
Tue Feb 28, 2017
answered:
Hello Tito, congratulations on your decision. How much do you have to work with towards down payment and closing costs?

Do you have down payment and closing cost or do you need down payment and closing cost assistance? Do you know your fico scores? What is the maximum mortgage payment you are looking to achieve?

The purchase in Altadena start from 389k for 1bd 1ba condo and the single family homes start from 415k for 2bd 1ba home.

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 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 some documentation for each applicant.

If you are buying a primary residence 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 up to 424k.

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 424k. 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 424k.

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.

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 2 answers Share Flag
Tue Jan 3, 2017
Rich Reed answered:
It depends on how your purchase agreement and intent to exchange supplement are written. And whether the failure of the exchange is through no fault of the buyer. If you are already involved in this transaction, please consult with your Realtor and/or your attorney. If you are contemplating a 1031 exchange and are not currently working with a Realtor, please contact us through our profile. We serve Pasadena and the San Gabriel Valley. We speak English, Mandarin, Cantonese, and Spanish. Check out our website at sgvre.net or in chinese at chinese.sgvre.net Thanks! ... more
0 votes 1 answer Share Flag
Thu Nov 10, 2016
Brendacosta11 asked:
Sun Nov 6, 2016
answered:
Hello Cherrybombfilms, the rent to own require a minimum non refundable 10% down plus additional non refundable fees.

You may qualify to buy with minimum out of pocket expenses and pay less than rent in many cities. The purchase in Pasadena start from 299k for a studio condo, 348k for 1bd 1ba condo and the single family homes start from 449k for 3bd 1ba fixer.

Do you have down payment and closing costs or do you need down payment and closing costs assistance? 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 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 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, 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.

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 2 answers Share Flag
Mon Oct 31, 2016
Rich Reed answered:
We serve Pasadena and the SGV. Contact me through my profile if you would like help. Thanks!
0 votes 1 answer Share Flag
Wed Oct 5, 2016
Angelica P answered:
Hi,

To add a saved search preferences, please follow the instructions below:

Log into your Trulia account.
Click on your profile picture in the navigation bar and select Saved Searches.
Modify any necessary information
Click Save Alerts


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
Mon Aug 15, 2016
Rich Reed answered:
The only true value of any property is what a willing buyer will pay and a willing seller will sell. If you're considering listing your property, we serve Pasadena and the San Gabriel Valley. We speak Chinese (Mandarin and Cantonese), English, and Spanish. We would be happy to provide you with a free professional Comparative Market Analysis (CMA). You may contact us through our Trulia profile. If you prefer Chinese you may contact Annie http://www.trulia.com/profile/annie-reed-agent-arcadia-ca-zgfbbk9q/overview.

Thanks!
... more
0 votes 2 answers Share Flag
Wed Aug 3, 2016
ryniciaw asked:
Hello, I need assistance with refinancing my loan. I am on an income based repayment plan. My husband and I have a good income, and good credit, but we have a lot of student loan debt. The…
0 votes 0 Answers Share Flag
Sat Jul 30, 2016
Paula asked:
Wed Jul 6, 2016
answered:
I can use either Freddie or Fannie,

Rich Littlefield
Sophisticated Financial
714-968-2500

License 287206 Equal housing lender
0 votes 1 answer Share Flag
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