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Shafter : Real Estate Advice

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  • Local Info1
  • Home Buying5
  • Home Selling0
  • Market Conditions0

Activity 10
Sun Apr 7, 2013
Robert Chomentowski answered:
Yes you can buy a house even if you have no credit score and no active credit lines. Your lender would help you build an alternative credit score with items like insurance bills, utlilities, phone bill, etc... ... more
0 votes 3 answers Share Flag
Tue Mar 26, 2013
jennifer chou answered:
When it comes to applying for credit from different stores or credit card companies make sure to read the fine print, do some research and find out about how they report. Not all credit cards will report what your paying. It's best not to have more than three open accounts, never máx out your credit cards and always make sure to make timely payments.

Jennifer chou/ Realtor

Tholco Real Estate Group
Bakersfield, Ca93312
... more
1 vote 6 answers Share Flag
Mon Mar 25, 2013
jennifer chou answered:
Hi Criss
The mortgage broker in Dallas Tx is correct you need to start off with a mortgage company, if you are looking to purchase property in Kern County, Ca there are loan programs such as the down payment assistance program available if you qualify.

Jennifer Chou/ Realtor
Tholco Real Estate Group
Bakersfield, Ca 93312
... more
1 vote 1 answer Share Flag
Wed Mar 20, 2013
Robert Chomentowski answered:
Yes you can get a loan with what is called "non-traditional credit". That is you supply other items such as car insurance, cell phone bill, utility bills, etc... and get that creditor to show your payment history over the last 12-24 mos. ... more
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Tue Oct 9, 2012
Teresa answered:
hi my name is teresa i was raised in shafter i also own a rental house , if your interested i am able to help you rent it and maintanance the property you may contact me at have a good day ... more
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Wed Feb 15, 2012
Mark R. Barrett answered:
I would call loan officer Luis Diaz, he works in this area and he is a loan broker which gives him a lot of options. I will get his # and send to you.
0 votes 6 answers Share Flag
Fri Sep 16, 2011
Shane Milne answered:
I am a little confused. So you are saying you paid your mortgage in full on 3/30/2007, a mortgage that was with Chase/WaMu, and you also have another home with a mortgage with Chase/WaMu on it that you did not pay off, and Chase/WaMu got confused on which one you paid off and sent the wrong paperwork to the county? And then Chase/WaMu continued to pay property taxes on the wrong property? ... more
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Mon Mar 14, 2011
scott farmer answered:
We have many 1 acre plus mobil home ranch set ups in Maricopa County, Arizona if you would be willing to relocate.


Sandy Farmer
Realtor, GRI, CSSN
John Hall & Associates
... more
0 votes 2 answers Share Flag
Wed Feb 9, 2011
Mary Arellano Garza answered:
we have the opportunity our bank is open for short refinance in our home and cut 100 ,000 from the principal, so we need a better rate and a payment between $800 to $1,000 and we really want to see our principal low down and paid our home ... more
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Sun May 23, 2010
Steven Ornellas answered:
Hi Celi,

" ... im a first time buyer looking to be prequalified what can i do about to start the process"

It's very important to understand your purchasing power BEFORE you start looking at any property. Unfortunately, the terms “Pre-Qualification” and “Pre-Approval” are used interchangeably in the RE Industry to mean the same thing – they are not. You do need a full Pre-Approval to avoid being caught by surprises once you enter into escrow as this can place your deposit money at risk.
“Pre-Qualification” vs. “Pre-Approval” is covered here:

You have three main sources for your financing. As a consumer, knowing the pros & cons of each source, the level of information needed to quote a reliable rate, and how mortgage rates are determined on a daily basis is all important information to guide you towards a decision on who to work with. You can find out all of this information and more by reviewing this post:

Best, Steve

Best, Steve
... more
0 votes 5 answers Share Flag
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