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Rancho Cucamonga : Real Estate Advice

  • All349
  • Local Info20
  • Home Buying128
  • Home Selling15
  • Market Conditions16

Activity 259
Thu Aug 10, 2017
James Martin answered:
Hi Truliaquestion,

Both June and the anonymous agent below posted had great points. But I'd like to stress that beyond the ethics of the situation and whether or not you'll ever do another deal with your agent again, is the fact that you signed a Disclosure Regarding Agency Relationships with your Agent. The Disclosure states the following:

"An agent acting only for a Buyer has the following affirmative obligations:
To the Buyer: A fiduciary duty of utmost care, integrity, honesty and loyalty in dealings with the Buyer.
To the Buyer and Seller:
(a) Diligent exercise of reasonable skill and care in performance of the agent's duties.
(b) A duty of honest and fair dealing and good faith.
(c) A duty to disclose all facts known to the agent materially affecting the value or desirability of the property that are not know to, or within the diligent attention and observation of, the parties."

Since this relationship is re-confirmed in section 2.B of the Purchase Contract, your agent has an obligation to represent you pursuant to the duties set forth in the Disclosure THROUGHOUT the transaction, which includes the cancellation of it and ensuring the return of your earnest money deposit.
... more
0 votes 4 answers Share Flag
Thu Aug 10, 2017
James Martin answered:
Hi Lauraefred,

In the past 182 days (since my answer) there have been 4 MLS leases at the Borgata that were 3 bedroom / 2 bathroom units. The highest was for $1900/mo and the lowest was at $1695/mo. The average comes out to $1835/mo (or $1.66 per square foot).

Hope that helps :)
... more
0 votes 1 answer Share Flag
Wed Jul 19, 2017
Alexander Wesley answered:
Thinnk no one is Lending? Think again, Xanda financial is running a relief loan program at this time. For more info, Call 570-521-6506
0 votes 3 answers Share Flag
Sat May 13, 2017
Lovely13 answered:
Go To God in prayer and ask him for what you desire and he will give it to you. Your credit score is not the answer God is
2 votes 31 answers Share Flag
Mon Jan 30, 2017
answered:
Hello Bbandholtz, I am not sure what you are looking at but probably a false listing of some sort that just has the google street view. What are you looking for in Rancho Cucamonga.


The purchase in Rancho Cucamonga start from 172k for 1bd 1ba 728sf condo, 200k for 2bd 2ba 882sf condo and the single family homes start from 305k for 3bd 1ba home.

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.

Do you have down payment and closing costs or do you need down payment and closing costs assistance? You would need a minimum 620 fico score to qualify.

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 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.

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
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 Jan 30, 2017
answered:
The sellers pay the agent fees. Lease with option to buy are risky and usually require a 10% or more non refundable deposit as well as other fees. You may already qualify for traditional FHA financing with 10% down from a minimum 500 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 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.

The purchase in 91730 zip code start from 172k for 1bd 1ba condo, 200k for 2bd 2ba condo and the single family homes start from 305k for 3bd 1ba home.

Do you have down payment and closing costs or do you need down payment and closing costs assistance? You would need a minimum 620 fico score to qualify.

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.

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 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.

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
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
Mon Dec 19, 2016
answered:
Hello Kaylamb62, I am afraid that is going to be up to each individual rental as the decision is up to the landlord/owner or management company. Usually an extra month or two rent is required so a year up front should work.

Here is a link to research 51 rental listing fitting your search criteria and call directly to inquire. Do not pay anything without confirming whom you are dealing with.

http://www.realtor.com/apartments/Rancho-Cucamonga_CA/beds-2/type-single-family-home/price-na-2500/affordable

If you can get back to work in the same field, you may qualify FHA financing with copies of ONE MONTH paystubs if you had employment in the same field atleast two years minimum... You can buy with minimal out of pocket expenses even less than first, last and security deposit of a rental.

You should study RENT vs BUY options as you may qualify to buy and pay less than rent in many local cities. You may qualify to buy with minimum out of pocket expenses and pay less than rent.

Beware of the many rental scams out there these days on all sites. The scams are on all of the rental listing sites except one that us agents/broker use such as mls, multiple listing service.

You should not give anyone any funds or personal information without confirming with a licensed agent/broker or management company to find out whom you should be dealing with and the status of any address of interest.

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 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.

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.

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 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 1 answer Share Flag
Wed Nov 2, 2016
Christine.woods32 answered:
Yes, why not. Check out websites for vacation rentals. And also look for vacancies on social networks. Many landlords post their properties on Facebook.
0 votes 2 answers Share Flag
Thu Aug 25, 2016
Valli Lopez answered:
Hi Niradia,
I am a licensed lender and have 2 different down payment assistance programs. One is an FHA loan with the otherwise required 3.5% down payment as a grant from the lender, so we are calling it 100% financing. With this program we are also able to pay all your closing costs as well. It is a fixed rate program for 30 years, no pre payment penalty.

We have a conventional loan with 3% down as well, where you contribute 1% of the sales price and the lender gives you 2%. Also a fixed rate program and either the lender or you can pay your mortgage insurance monthly. It's up to you how you would pay it. If the lender pays it, the interest rate is a little higher.

Valli Lopez
NMLS 980530
619-916-9595
Valli@ValliLopez.com
... more
0 votes 1 answer Share Flag
Fri Jul 29, 2016
Maricris A answered:
Hello,

We are a real estate search engine so we don't represent the homes found on our site. Please follow these steps to begin your home search:

1. Click the 'Rent' tab at the top of our homepage.
2. Enter your desired city and state in the search bar and hit Enter.
3. Click 'Max Price' to select what your highest price would be to pay for a home. Click 'Min Price' to set the lowest price you would pay.
4. Select your preferred property type, square footage, allowed pets, etc.
5. Click the orange 'Done' button.

This will begin to pull up listings that are more tailored to what you are looking for.

If you are interested in a listing, click on the "Request Viewing" button. You can also take advantage of our vast network of agents here:

http://www.trulia.com/directory/

We hope your experience with Trulia is memorable and thank you for using Trulia for all your real estate needs.

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/


Regards,

Maricris
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Wed Jun 29, 2016
Scott Godzyk answered:
It depends, did the foreclosure auction take place? did you find the buyer and sell before foreclosure? Your credit would show you re late but depending if the foreclosure took place is if it should say fcl on your report. You can always pull your report and then file dispute that line item ... more
0 votes 1 answer Share Flag
Thu May 26, 2016
Anita asked:
need to rent a house or condo in Rancho Cucamonga, Redlands or Loma Linda. I may not secure employment before moving back to California so I can prepay up to 3 months rent. I am fully certified…
0 votes 0 Answers Share Flag
Thu May 26, 2016
Anita asked:
need to rent a house or condo in Rancho Cucamonga, Redlands or Loma Linda. I may not secure employment before moving back to California so I can prepay up to 3 months rent. I am fully certified…
0 votes 0 Answers Share Flag
Thu May 19, 2016
Cynthia Parker answered:
If you still need help call me.. I would be more than happy to find you a rental in RC. My home and office are there. No charge to you at all. I am doing open houses there Fri, Sat and Sun so I will be in the area all weekend.

Cynthia Parker
CalBRE# 01277658
951.515.8211
www.cynthiaparkerrealestate.com
... more
0 votes 3 answers Share Flag
Fri Mar 11, 2016
Arpad Racz answered:
Hi,

Ask your local real estate agent to check the MLS locally for any properties where that is an option. They can also look under seller financing.

Kind regards,

Arpad
0 votes 2 answers Share Flag
Mon Jan 11, 2016
Addison Realty answered:
We send all of our clients with credit issues to a local company called Home Loans For All. They work with clients nationwide though and they've done a great job for us so far. Hopefully this helps anyone looking to buy a home that has credit issues. Don't be discouraged if a lender denies you. Home Loans For All can typically find a lender. ... more
3 votes 12 answers Share Flag
Mon Jan 11, 2016
Addison Realty answered:
We send all of our clients with credit issues to a local company called Home Loans For All. They work with clients nationwide though and they've done a great job for us so far. Hopefully this helps anyone looking to buy a home that has credit issues. Don't be discouraged if a lender denies you. Home Loans For All can typically find a lender. ... more
1 vote 13 answers Share Flag
Sun Jul 12, 2015
Summer answered:
Keith, did you end up selling your house? If in RC and you would still like a partnership that would allow you to sell your home turnkey, please contact me.
0 votes 7 answers Share Flag
Thu Jul 9, 2015
Bill Cook answered:
With our special product, you can get it one day after a short sale or foreclosure provided you have a 660+ FICO score and 20% down payment you meed to put some skin into the game.
Not hard-money rates either.

Available for all west coast states, clong with AZ, CO.
... more
0 votes 3 answers Share Flag
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