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93906 : Real Estate Advice

  • All9
  • Local Info1
  • Home Buying3
  • Home Selling0
  • Market Conditions0

Activity 5
Sun Aug 6, 2017
Actingclasses answered:
Depends on your market. High end buyers seem to rip everything out just to say that they did. Mid- and lower-end market buyers might leave the same neutral paint on the walls and flooring in place till THEY sell the house years later. And while TV has taught people that hardwood floors are their birthright, I have never seen a buyer quick to rip out new, warm tan or taupe carpeting with thick padding (that's KEY). It's just too comfy, especially in bedroom and den areas.

However, I'd avoid laminate no matter what. Buyers don''t consider it an upgrade anymore, but rather, a problem that needs to be eliminated. Even though it is not that cheap, it has that cheap sound and feel underfoot, reacts badly to water, and just doesn't look very good on more than casual inspection.
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0 votes 1 answer Share Flag
Thu May 12, 2016
answered:
Hello Isela0981, I did not find the rental listing but beware of rental listings as there are a lot of scams out there. The inventory seems quite low in 93906 zip code. There is a 2bd 1ba single family home available for $1,375 that won't last long.

Check with the Northridge Park apartments for their inventory. You may want to inquire with the local rental management companies for their inventory as well.

The purchase in Salinas start from 169k for 1bd 1ba condo and the single family homes start from 209k for 4bd 2ba 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 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 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
0 votes 2 answers Share Flag
Thu May 12, 2016
answered:
Hello Arreguin1325, yes you are a first time homebuyer if you have not owned a home in 3 years.

Are you looking for down payment assistance? The 3%-5% Sapphire Grant down payment assistance program can get you into a purchase with minimum out of pocket expenses.

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 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.

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.

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.

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# 01140252NMLS# 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
0 votes 3 answers Share Flag
Wed Jul 17, 2013
Randall Ortiz answered:
Rates have gone up so you won't be getting the low rates like before, unless they go back down again, but for now that isn't too far off.

Contact me if you want me to check on lower rates for you. I work with a great broker.
916-529-3707
... more
0 votes 4 answers Share Flag
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