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Home Buying in San Joaquin County : Real Estate Advice

  • All39
  • Local Info1
  • Home Buying30
  • Home Selling1
  • Market Conditions0

Activity 888
Wed Jan 21, 2015
Derek Jones answered:
Most websites default to 20% down when looking at the mortgage calculator. There are certain timeframes and downpayment requirements that need to be met depending on financing following a foreclosure/shortsale.

Feel free to contact a local lender to discuss your specific situation
... more
1 vote 2 answers Share Flag
Fri Jan 9, 2015
Josh Barnett answered:
Thu Jan 8, 2015
RonS answered:
You didn't ask a question. Assuming here but...you still owe them regardless of whether you think you do or not. You have no legal liability to them any longer but, if you don't pay them, they still retain the lien and could foreclose. ... more
0 votes 3 answers Share Flag
Thu Jan 8, 2015
RonS answered:
The owner is liable but, a short sale would have covered tax liability. It would be on the HUD. Title/Escrow would have taken care of it at closing. If the lender that approved the short sale is the same lender asking for "Proof", i'd tell them to get bent and tell them to go back and read their own HUD that they approved (and had to approve) prior to closing.

if it didn't get paid, i'd also tell the lender "You pay it". Asking for ANY money after a short sale would make the lender subject to penalties for violating anti deficiency laws in California.
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0 votes 1 answer Share Flag
Sun Nov 16, 2014
Jayden Hakunti answered:
The housing is currently in pending sale status. However the owners still are accepting backup offers, in case that deal falls through. If you would like to schedule a viewing of the property or would like more information about the property, then please let me know if I can be of service to you. ... more
0 votes 1 answer Share Flag
Sun Nov 16, 2014
Jayden Hakunti answered:
I have lived in Manteca since 1993 and I am very familiar with the area. Please get in touch with me for more information.

Jayden
PMZ
Jhakunti.pmz.com
209-321-1490
0 votes 2 answers Share Flag
Sat Nov 8, 2014
Kevin and Julie McLaughlin answered:
Typically the refrigerator is not included in the sale unless specifically requested in line item 8.B. of the purchase contract.
0 votes 6 answers Share Flag
Tue Nov 4, 2014
George Raymondo answered:
We offer a Foreign National Loan Program for Non-Citizens. God Bless America! Unlike most countries around the globe, we allow people from other nations to owe a slice of American Pie.
0 votes 3 answers Share Flag
Mon Oct 13, 2014
Randall Ortiz answered:
I work with a lender that can do it for you right away. Contact me if you still need help with this.
0 votes 1 answer Share Flag
Tue Sep 16, 2014
Alexander Greer answered:
Are you looking to purchase in this area? I would be more than happy to recommend a real estate agent to you whose job it is to assist you with these questions.

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
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0 votes 1 answer Share Flag
Thu Aug 21, 2014
Angad Bhullar answered:
The market in MH never been better. It is a great time to buy.
MH is a great neighborhood to live in. I have been living in MH for the past 6 years.

MH just opened their state of the art brand new high school and also a brand new (5th) elementary school.

Contact me or a list of all active properties in the market,
209-336-6331
angad@kw.com
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1 vote 1 answer Share Flag
Mon Aug 11, 2014
Claudia Muller answered:
Hi Diea,
The new lender will require an appraisal on the FL home (the departing residence).
Should the property have less than 30% equity, then the rental income cannot be counted.

With that appraisal, there will be a rent schedule requested. We would utilize 75% of that rent to qualify you for your new home.
You will be required to provide a copy of the current lease and a copy of the deposit or first rent check received from your renter.
Let me know if you need additional information.
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0 votes 4 answers Share Flag
Mon Aug 11, 2014
Claudia Muller answered:
I see you are located in Nebraska. California does not have many, if any, properties for that purchase price.
But...if you are obtaining conventional financing, regardless of pruchase price, you will need an appraisal. An appraisal ascertains for the lender that their collateral is worth what they are lending on for you.
All other inpsections would be your option.
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0 votes 3 answers Share Flag
Mon Aug 11, 2014
Claudia Muller answered:
The best resource for the second would be a bank or credit union.
The brokers and bankers are very limited to what products we have to offer.
Most will only allow us to obtain a second for a borrower simultaneoulsy with a first. ... more
0 votes 2 answers Share Flag
Thu Aug 7, 2014
Galia Taneva answered:
There are other options besides FHA loan that have lower closing costs and do not require monthly PMI which is mandatory for all FHA loans. Talk to a lender about a conventional loan with 5% down or any other option you may have, so you can decide if you need to wait and save some additional money or buy now and take advantage of the low mortgage rates.
Good luck to you!
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0 votes 10 answers Share Flag
Thu Aug 7, 2014
JMALT56 answered:
Brady Rankin of Keller Williams. 1-209-470-0456. Outstanding service!!!!!!!!!!
0 votes 7 answers Share Flag
Wed Aug 6, 2014
Sharon Felton answered:
Contact a local Realtor, and ask if he/she is an Accredited Buyers Representative. That Realtor should be able to also secure the condo complex's by-laws for you. You should review those by-laws before deciding to make an offer on the property. Good luck to you. ... more
0 votes 3 answers Share Flag
Wed Aug 6, 2014
Huey Nguyen answered:
Hello Alejandra,

Are you already in contract to purchase a home? Or are you still looking? Do you have a buyer's agent already?

Please tell me more information, so I can understand your situation more and see what the next steps might be.


Good luck,


Huey Nguyen
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0 votes 3 answers Share Flag
Wed Aug 6, 2014
Sam Shueh answered:
you can either go with a local mortgage broker or go with a major lender where you do banking already.
Broker has more leeway. However, they are wholesale dealing with smaller lenders, CU etc. As such the loan can be sold. Major lenders tend to keep you there so long as you are not delinquent.

Sam Shueh
Keller Wms Realty
http://x299322.yourkwagent.com/
... more
0 votes 7 answers Share Flag
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