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Roseville : Real Estate Advice

  • All226
  • Local Info18
  • Home Buying91
  • Home Selling7
  • Market Conditions6

Activity 269
Mon Dec 7, 2015
Conrad Myers asked:
As an agent, how do I claim and merge my two agent profiles?
http://www.trulia.com/profile/conrad-myers-agent-roseville-ca-zgcfqz5n/overview
http://www.trulia.com/profile/conrad-myers…
0 votes 0 Answers Share Flag
Fri Dec 4, 2015
Derek Jones answered:
Unfortunately Trulia/Zillow aren't connected with our MLS so there is always the chance of incorrect data. If you want accurate data try a site that syncs with our MLS.
0 votes 1 answer Share Flag
Wed Jul 29, 2015
Herrerakaren82 answered:
what is traffic like from west sacramento to roseville, was starting a new job
0 votes 5 answers Share Flag
Fri Jul 17, 2015
Mickey OBrien Team answered:
Counties do no have any regulatory authority in the transfer of real property. All inspections and reports are determined by the agreed upon terms of the real estate purchase agreement. As a general rule of thumb it is always best practice to have properties thoroughly inspected. ... more
0 votes 1 answer Share Flag
Mon Jun 15, 2015
Kirpal KP Saini answered:
You will pay a little bit of a premium in Roseville but it is growing at a strong pace and research API scores of schools to get a better idea of where the best place to raise a family is. I also have family in Elk Grove also but chose Rocklin due to the school district and amount of activities that are always going on here. Let me know if I can assist you in your home search. ... more
0 votes 5 answers Share Flag
Mon May 25, 2015
answered:
Well you know what is wrong with the house, and you wont have to move.

Make sure that you do not pay too much for the house, perhaps have the seller agree that the price will be based on a professional appraisal.

Most likely the seller has looked on Trulia or somewhere to get an idea of the value. Trulia is based on properties that are on the market. Many of which are fixed up to sell. Your house will be as is.

You should probably ask the seller to pay all of your closing costs as it will be a lot less expensive and easier for the seller to have you buy it.

Properties with renters typically sell way under the market.

If you would like to get pre-approved for a loan give me a call, My pricing and service are extraordinary. I am also a licensed real estate broker and can walk you through the process at no extra charge.
... more
0 votes 3 answers Share Flag
Thu May 21, 2015
answered:
Hello Kxt1977, a gift can be any amount. You may consider qualifying yourself with as low as .5% half percent down payment program from a minimum 580 fico score. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

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. 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.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as .5% half percent down payment program 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.

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. The purchase in Roseville start from 107k for 2bd 1ba condo which is as low as $550 down payment with a minimum 580 fico score @107k.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and compare. Here are some links to study as well as web reference links to many loan program pages offered...

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
22+ Years Experience
BRE# 01140252
NMLS# 297251
760-486-4225
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
http://youtu.be/MrygA2_8fAY
http://www.trulia.com/profile/SherylArndt

If my response was helpful, consider clicking Thank, Link or Best Answer.
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0 votes 3 answers Share Flag
Thu May 21, 2015
Kiran Chhotu answered:
Hi David,
Both Lincoln and Roseville are great areas to live in. What are you looking for in your new home? Are school districts important to you?
Regards,
Kiran
0 votes 1 answer Share Flag
Tue Apr 14, 2015
Karen and Paul Catania answered:
1 thing to keep in mind is that the house is not being advertised anymore after the listing date expires. We all hope the pending sale will follow through and close but the agent is missing out on his name out there for new buyers and the seller is missing out if the current buyer cancels because nobody looking will see it listed. We all know how Murphys Law works, right? ... more
0 votes 9 answers Share Flag
Tue Apr 14, 2015
Karen and Paul Catania answered:
Appraisers are just people giving their opinion of value. 3 different appraisers can give 3 different values. Hopefully all are in the same ballpark. The appraisers are a 3rd party to the lenders so their isn't any conflict of interest. Although I wish we could lock up a couple appraisers and throw away the keys for their lousy appraisals, they are not bound by any accurate appraisal laws. They are hired by the lenders to make sure the value of the home works with the loan you are receiving. The lenders have to protect themselves in case you don't make your payments. Appraisals might not always come in at what we want them to but the lender is the one loaning their money so we have to play by their rules. The Zestimate is not an accurate appraisal system to rely on either. It's good for general prices found in the area you are looking. ... more
0 votes 8 answers Share Flag
Wed Mar 18, 2015
Matthew Albert answered:
My name is Matt Albert (NMLS# 658999) and I am a Doctor/Physician Loan Specialist with RBS Citizens/Charter One Home Loans. I have been specifically working with physicians for over 12 years. We cover licensed medical physicians, residents, interns and fellows, which include MDs, DOs, along with DMDs and DDS. We provide financing of 95% up to $850,000, 89% to $1 million AND 89% to $1 million for a one time close construction Doctor Loan, all with NO PMI! We offer our Doctor Program in the following states:

Connecticut, Delaware, Illinois, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, North Carolina, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Virginia, Vermont, Washington DC, West Virginia. *Additional States are possible on an exception basis, exceptions also possible in regards to loan amounts on a case by base basis*

If I can be of any assistance please feel free to contact me regarding details of the program as we are NOT allowed to share guidelines of the program in online forums. You may do a search of my name and Doctor loan and easily find my contact information or see my profile.
... more
0 votes 10 answers Share Flag
Sat Mar 7, 2015
Karen and Paul Catania answered:
Neither are accurate across the board. They have computer programs that put numbers together. Prices get updated after homes are sold. If the home is in a community where there are a lot of the same models and many have sold, then the prices can be pretty close to market value. In my area there are homes worth $300K to over 1 million and the numbers can be all over the place. But you can always see the general value of the area with a quick look. You really have to find a realtor or 2 to give you actual sold and active comps that are in the market today to have the true value. ... more
0 votes 9 answers Share Flag
Tue Mar 3, 2015
ttretter answered:
**yes** this is a scam. The home is renting through Invitation Homes for $1350. Do not respond to the ad. We are working with Trulia to take down this ad.
0 votes 3 answers Share Flag
Fri Jan 30, 2015
Randy Stoker answered:
There is not a quick easy answer as we don't know the Notice of Default (NOD) Date or status of the foreclosure process. From the NOD to actual "on the court steps" auction could take 1 year or more. ... more
0 votes 1 answer Share Flag
Sun Jan 25, 2015
Gary Meek answered:
Did anyone ever get back to you on this? I have an investor who will purchase the home you want now and lease it to you until you are able to purchase with a loan. Let me know if you are interested in hearing more. ... more
0 votes 9 answers Share Flag
Tue Jan 6, 2015
Kirpal KP Saini answered:
Hi Tyna. There are a lot of variables that go into closing costs for a home sale such as escrow fees, title insurance, property tax pro ration, commissions, etc. It will also depend on how the offer is accepted and how knowledgeable your agent is on negotiating the best deal for you. A title company can give you a fairly good idea if you have some of the information mentioned above. ... more
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Sun Jan 4, 2015
Mitzi De La Cruz answered:
Hi Noralee, this definitely won't necessarily disqualify you from being eligible for a home loan. It depends on your debt to income ratio, however, as far as the amount that you're able to get approved for. There are loans such as the USDA Guaranteed Loan that offer 100% financing for people with "reasonable credit" which means that their guidelines aren't necessarily based on a credit score. You would be considered before someone who had collection accounts but wasn't actively attempting to resolve the accounts like you are.

Call me to learn more...I have an amazing lender who will assess your individual situation and help you get qualified. If he can't do it, nobody can! My phone number is 916-871-8132, and I look forward to your call.

Best of luck!
Mitzi
... more
0 votes 1 answer Share Flag
Fri Dec 26, 2014
Rasem Allan answered:
I will be happy to help ypu find the house, what price range you are looking for; how many bedroom and bathrooms. Please call me at 916-595-7428 , I actually live in the area.
0 votes 9 answers Share Flag
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