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Home Buying in San Joaquin County : Real Estate Advice

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  • Local Info1
  • Home Buying30
  • Home Selling1
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Activity 903
Fri Jan 19, 2018
Big Skip answered:
I agree with Roxanne. How can you judge a man when you don't even know his situation. Ive paid my child support on time for the past 5 years yet I still have 35k in arrearages and cannot purchase a home. Why? Let me explain how child support DOESN'T WORK FOR THE CHILDREN! I have 2 cases one in San Bernardino and one in Riverside. The one in San Bernardino is only arrears only the other case I'm paying current child support. The problem with the system is that the father cannot allocate where or how much money goes to either case. Then they charge 10% interest per year. Example lets say the arrears case was only 4k. For the current case, child support for is at 300 a month but the arrears are at 6k for that case. if you get 5k back from your taxes they wont pay the arrears case off. They will put like 4800 to the case that you are paying current child support and $200 to the other case that only is in arrears. Then you will be charged 10% interest on both cases at the end of the year so they make it hard for a man to ever get caught up. The cold part about this is I was paying my babies mother child support while she was receiving welfare, proved it , all they did was convict her of welfare fraud, she got one day in jail AND THEY STILL MADE ME PAY BACK THE MONEY TO THE STATE. The system seriously needs to be reformed. My question is is there anyone out there male/female who has owed more than 20k in arrears that has BEEN ABLE TO PURCHASE A HOME? ... more
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Sun Jan 14, 2018
Champagne Washington answered:
Hi my name is champagne and I'm from Oakland I lived in Stockton before but have moved out now I'm in Oakland homeless with two kids and it's hard for me to get in mother and partment because I have an eviction from 6 years ago and don't owe any other properties money but I do have a hospital bill on my credit that making my credit very bad do anyone know where I can rent from I don't mind them doing a credit check or background check if it's through a property management is so my email @champagnewet2@gmail.com ... more
0 votes 6 answers Share Flag
Mon Nov 6, 2017
R.kitty7777 answered:
Is the seller responsible for paying the sales tax in California on the sale of a home got sold for 182000. What would the amount be if I would have to pay the sales tax.
0 votes 10 answers Share Flag
Mon Oct 23, 2017
Derek Jones answered:
Submit the offer with the title company you want in the offer. Title company is not set in stone and can be negotiated between buyer and seller.
0 votes 1 answer Share Flag
Thu Sep 21, 2017
Anchelittasunday answered:
Hello, my house was brought by the bank in March 15, 2017. I have been here and I'm on the process of moving. Can they evicted me if it's been over 6 months ?
0 votes 19 answers Share Flag
Sun Sep 10, 2017
Jennifer Li answered:
95206 along the highway 4 had flood many times in the past, which is not even on the FEMA map. Talk to seniors in the area, they can tell you more.
0 votes 3 answers Share Flag
Sun Sep 10, 2017
Tdmrn2001 asked:
Tue Aug 29, 2017
Gwenshin answered:
It's hard not to get political when it was deregulation that caused the first crash. However, it wouldn't matter if Jesus was president right now. Homes are once again at over inflated prices. There appears to be another bubble now, for different reasons than before, but a bubble is a bubble. The market was artificially pumped back up, and anyone who buys at these prices will lose. The bank owned foreclosure homes are not being sold, because the banks are allowing empty homes to sit and fester rather than release them on the market. Many have been sitting there empty since 08. The banks are keeping the inventory low on purpose in order to keep the prices high. Supply and demand. They can't do it forever because the longer they sit, the longer they fall into disrepair (and lower the neighborhood values as a result). May as well put up a sign that says "crackheads welcome". It wouldn't be smart to buy at these prices now. Besides, home values rise and fall at 10 year peaks. Right now we are in a peak year. Check the 10 year cycles and see for yourself.
Then there is the new 3d printed homes that is already going on in other countries. They cost a total of maybe 20k to build, so it wouldnt be hard to sell those to new home buyers at maybe 100k, making a nice big profit for themselves, and making home buyers happy at the same time. When that happens here (and it will at some point, money and investors always get their way) That will leave the older starter homes almost worthless.

If you own a home, my best guess would be it would be smart to sell now while you can cash out in a big way. If you're looking to buy a home, do the math, if it's much less than your rent, with money to spare to put aside for repairs and things your home will eventually need, then it's a deal worth pursuing even these days, if not, just wait a bit longer and save your money or you'll end up as another statistic getting over your head. Learn from the past.
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0 votes 185 answers Share Flag
Fri Aug 25, 2017
Jesus Garcia asked:
Wed Aug 9, 2017
answered:
Hello, I'm a mortgage professional.

Yes, as long as you qualify you can do an FHA loan even though you have another home with a conventional mortgage on it already.

If you have any other questions or would like help with this you are welcome to contact me.

Thank You
Gregg Pomeroy
... more
0 votes 1 answer Share Flag
Sat Aug 5, 2017
Joel Fritchman answered:
Unfortunately most contracts specify that if house under appraised EITHER party can cancel contract. In that case, the seller can decide not to sell and there would be no recourse in getting back the inspection and appraisal costs. I feel this is unfair too, but it is what it is. My wife and I have already lost $900 due to an appraisal, and now we are facing another (we are challenging the appraisal sqft on this second one. It shows 1248 on appraisal and was advertised 1362). The problem is in our area it is totally a seller's market. People with cash are simply paying cash above appraisal, so sellers are budging. They like their odds of getting above appraisal and put it back on the market.

The argument is that sellers need to do their due diligence and do the comp comparison. But im not sure how you can if your not a licensed appraiser. Ive seen appriasers flat out reject a realtors comp. It seems to be all subjective and based on personal opinion. I feel this is a real problem since it is playing with peoples lives. Not fair that your fate is in the hands of somebody who could be having a bad day and we pay for the appraisal and have no recourse. In our case of the sqft, I'm personally going to measure this house myself. Somebody is wrong and negligent, and that somebody is going to pay us our fees if agreements can't be made. Either seller or appraiser.
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0 votes 5 answers Share Flag
Tue Jun 13, 2017
Aschreiner31 asked:
Tue May 16, 2017
Houdasabri27 answered:
Im the same person who posted this question: We are still under contingency for the condo we are trying to buy and havent removed it yet, however when we were trying to get the Master insurance from the title company to give to the lender, we realized the number for the address in the "county documents" was different for the condo than the one listed for sale. The county and other documentation is showing the address to be 458 X street, unit Y, however on the website that the condo was put for sale, and as well with the home owner association, they say that the condo has an address of 456 X street, unit Y! The home owner association is also saying that they dont have a 458 apartment with that unit number! And the title company is saying that the 458 address is the Parcel address, and the 456 address is the mailing one! Also so far in all our documentation we went with the 456 address and we did have a title company look into everything in the beginning of the process, but I guess they haven't noticed anything. Both parties say that the other is responsible so we dont know what to do!

If anyone could help me out with this it would be great!
... more
0 votes 1 answer Share Flag
Thu May 11, 2017
Gsandbil answered:
My wife and I recently bought a house and are selling our 2 bed 2 bath double wide 1440 sq ft mobile home in an all age family mobile home park in Stockton Ca. asking price is $30,000
0 votes 5 answers Share Flag
Mon May 8, 2017
answered:
Hello Ehsan, did you include a pre-approval letter from a Lender like myself so you can view and submit offers on homes of your choice. Do you have down payment and closing costs or do you need down payment and closing cost assistance programs?

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 consider FHA 3.5% down from a minimum 580 fico score and from 3% down conventional from a minimum 620 fico score 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 3 million.

The purchase in 95391 zip code of Tracy start from 349k for 3bd 2ba single family 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 any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

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
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