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Sacramento : Real Estate Advice

  • All1K
  • Local Info161
  • Home Buying675
  • Home Selling79
  • Market Conditions82

Activity 1,898
Sat Jul 30, 2016
Sally Grenier answered:
Very doubtful. Most title companies and attorneys require ink signatures at closing. You should talk to your Realtor about options for signing. Sometimes the seller can sign early (several days before closing) or sometimes the title company can mail docs to you and you can sign in front of a notary. ... more
0 votes 1 answer Share Flag
Wed Jul 27, 2016
Mhubert4365 asked:
A lot of interesting startups have emerged lately. I've heard about Rentberry. I think this startup might make renting process more efficient and transparent due to price negotiation system.…
0 votes 0 Answers Share Flag
Wed Jul 27, 2016
Franke52000 answered:
what does that 1%cover if not to maintain the zoning in that area of the property being tax. wonder why neighborhood are not being maintained. So who or where is that 1% going.
0 votes 9 answers Share Flag
Sun Jul 24, 2016
Derek Jones answered:
Lot's of business in and around Rancho Cordova you shouldn't have a problem finding a tenant.
0 votes 1 answer Share Flag
Sat Jul 23, 2016
Firstcards answered:
Saw this somewhere. Hope it helps. Anyone in here interested in RENT TO OWN HOUSES??.....Why

rent ...when you can own ??..Bad Credit Housing Programs, Down Payment Assistance Programs, get access to Rent to Own Home Houses In your City =>http://www.wefinanceit.infohttp://www.wefinanceit.info ... more
0 votes 10 answers Share Flag
Mon Jul 18, 2016
Sheryl Arndt answered:
Hello Shameika, the rentals in Sacramento start from $1,170 for 1bd 1ba apartment, $1,315 for 2bd 2ba apartment, $2,025 for 3bd 2.5ba townhome and up. You should check with the local rental management companies for their inventory as well. You can check inventory with www.Realtor.com as well.

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.

The purchase in Sacramento start from 69k for 2bd 1.5 ba condo and up...

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.

You may qualify to BUY with minimum out of pocket expenses such as less than first, last and security deposit of a rental. You may qualify for the 3%-5% Sapphire Grant down payment assistance program from a minimum 620 fico score.

If you decide to buy 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, 1040's, 1099's, W2's and all schedules, copies of drivers license/ID and social security card 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 may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down. You may consider a 3%-5% Sapphire Grant down payment program up to 417k from a minimum 620 fico score which does not have to be repaid.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and consider. Here are some links to study about me as well as web reference links to many loan programs...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA or CalVet loan specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ 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
... more
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Tue Jul 12, 2016
Jackie answered:
This article goes into more details - http://practicallist.com/real-estate-short-sale with fico and fannie mae data and documents you can download to use as a check off list when doing a short sale.

Most will be hit with 30 - 90 day late payment hit plus a short sale hit. Could be upto 300 points (thats as much as a foreclosure) Some seller get away with only 100 points which can be restored in about 2 - 3 years. For most people its one of the best options if their under water.
... more
2 votes 18 answers Share Flag
Sat Jul 9, 2016
Patty Mack answered:
Websites like http://agentspresent.com connect sellers with local registered listing agents whose portfolio appeals to them the most. Seller information is never revealed to third parties. Contact details are revealed to the agent only after the seller chooses him for an interview. Once you get in touch with the agent, the remaining procedures remain the same as a live deal. There are no additional taxes that you pay for the services. ... more
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Wed Jul 6, 2016
Michael Pinson answered:
How can I find out who purchase my foreclosure at the trustees sale
0 votes 17 answers Share Flag
Tue Jul 5, 2016
Angelica P answered:
Hi,

We didn't get enough information about your problem to resolve the issue. Please provide us with your email address and we will be happy to assist you.

Thank you for using Trulia!

Angelica
Consumer Care Advocate
... more
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Tue Jun 28, 2016
Randall Ortiz answered:
Yes you can use a co-signer for FHA loans. I'm a loan officer in Sacramento, contact me if you still need help with your loan.
0 votes 13 answers Share Flag
Thu Jun 23, 2016
Paul answered:
Use InBedrock.com to help educate on all real costs of homeownership, including purchase price, improvements, title + HO insurance, RE taxes, mortgage financing options + after-tax implications, utility costs and eventual selling costs of 6% realtor commission + state transfer taxes. InBedrock.com provides in-depth, easy-to-understand analysis on financial decision of Buying v Renting v Investing in stocks. Find out actual # of years until break even on all costs of investing in a house vs renting. Get educated today with InBedrock.com before you make biggest investment of your lifetime. InBedrock.com ... more
0 votes 3 answers Share Flag
Wed Jun 22, 2016
james turano answered:
e-mail privately? Why can't we all know how to get to postlets to make changes. All of a sudden it is a problem.
Nothing displayed on Trulia like before.
june 22, 2016
0 votes 6 answers Share Flag
Mon Jun 20, 2016
Derek Jones answered:
Normal? It depends, is your lender local? The lenders I work with locally always meet with clients face to face to discuss the process of buying a home and whats involved. During the escrow process there isn't a lot of face to face but there can be some if you needed to drop off a document or something. Why not give them a call to discuss your concerns? ... more
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Thu Jun 16, 2016
Mark Sivek answered:
I highly suggest you carry maximum liability insurance and require the tenant to do the same with their renters insurance. This is relatively inexpensive. I checked with State Farm. I would require the homeowner be an additional INTEREST on the tenants policy so that if it should lapse the home owner is notified. ... more
0 votes 8 answers Share Flag
Wed Jun 15, 2016
Rich Reed answered:
Your own KW website, as of 6/15/16, lists the price at $1,459,000. You expect Trulia to do better? Have your broker show you how to manage your own listings and lay off the "!" key.
0 votes 3 answers Share Flag
Thu Jun 9, 2016
Randall Ortiz answered:
You can definitely ask for it. The worst they can say is no. I'm not sure what the details regarding your situation is, but you can definitely ask.
0 votes 3 answers Share Flag
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