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Simi Valley : Real Estate Advice

  • All228
  • Local Info16
  • Home Buying78
  • Home Selling6
  • Market Conditions7

Activity 173
Thu Sep 28, 2017
Anurag.chandra answered:
Depends on the how "material" is the information to the transaction. Particularly how it affects the buyer's loan application.
In Oregon 2017
Line 102 , Following submission of the loan application , Buyer agrees to keep Seller prompltly informed of all material non-confidential developments regarding Buyer's financing and the time of closing.

Line 111, Buyer authorizes Buyer's Lender to provide non-confidential information to Buyer's and Seller's Agents regarding Buyer's loan application status.

The lender ordered ( seller paid) appraisal report is most certainly being used in processing of Buyer's loan application, therefore must me released to seller. Example if the appraisal comes in lower than the agreed price and lender will not issue the loan to the buyer for the original price , the appraisal report clearly is material information, which must be shared with the seller. If Lender then files a challenge to the appraisal with appraisal company, that also is Material Information which must be shared with the seller.

In Oregon neither the Appraisal or the Home Inspection , both typically Buyer paid , are considered confidential information. Not only the sellers gets the report , In case the deal falls apart seller can share it with subsequent prospective Buyers.

Ref http://www.brookelawoffice.com/home-inspections-confidential/
... more
0 votes 13 answers Share Flag
Wed Sep 20, 2017
Jcofsimivalley asked:
Mon Sep 18, 2017
Djustojr answered:
I am wondering if its possible to buy a coop , apartment or duplex with 3 plus bedrooms for
$15,000 down. Its our first time purchasing our FICO scores are 700 plus , In good descent neighborhood and schools for our daughters? ... more
0 votes 6 answers Share Flag
Wed Aug 9, 2017
Nadine Block answered:
The effected area in Porter Ranch, some 30 miles away from Simi Valley.
If your interested in looking at my rental that I have for rent, contact me at 805-501-2423, it is a 3 bedroom condo. ... more
0 votes 1 answer Share Flag
Sat May 13, 2017
Msanchez1879 asked:
I am a single parent currently living with a friend. I'm on section 8 and my voucher is only good for another 45 days. If anyone knows of anyone renting to section 8 clients please let me…
0 votes 0 Answers Share Flag
Sun May 7, 2017
answered:
Hello Christine, yes absolutely you should so check with who ordered it for you for your copy.

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
... more
0 votes 2 answers Share Flag
Thu Apr 27, 2017
Kbongfeldt asked:
I know that the area around the former Nuclear Facility is causing higher than average cases of cancer, but did not know how many of the communities around the site are affected? Any one…
0 votes 0 Answers Share Flag
Mon Apr 3, 2017
Judamimi answered:
I maybe interested. Relocating to Simi Valley this Summer. Semi-retired social worker, excellent credit, no pets.

Judamimi@aol.com
0 votes 1 answer Share Flag
Wed Dec 14, 2016
answered:
Hello Dpowell2, the 3bd 2.5ba condo rentals in 93065 zip code of Simi Valley start from $2,250 rent. The 3bd 2ba single family homes start from $2,795 monthly rent. The purchase start from 404k for 3bd 2.5ba condo in the same zip code.

http://www.realtor.com/apartments/93065

You can try a search on Trulia, Zillow or Realtor.com. You should also check with the local rental management companies.

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 you want to buy you will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. You will need to gather documentation such as one month paystubs, two month bank statements, last two year tax returns, 1040s, 1099s, W2s and all schedules, copies of drivers license/ID and social security card for each applicant.

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.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 417k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 417k.

You may consider 5% down Jumbo with a minimum 720 fico score from 417k up to 1.5 million and 10% down from a minimum 680 fico score. There is 3% down conventional available up to 417k from a minimum 620 fico score.

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.

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.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 1 answer Share Flag
Tue Sep 20, 2016
Insurance Agent answered:
Home Insurance Help!!


Rancho Simi Insurance Agency 1611 E Los Angeles Ave Simi Valley 93065 offers options if you are looking for Home Insurance close to open space/hills area.


805-581-2128 Call for a quote. Ask for Steve
... more
0 votes 5 answers Share Flag
Thu Aug 25, 2016
wendy answered:
The ultimate goal is to buy our dream house and sell our home for a price that is acceptable to us and the two other offers are not acceptable to us. We have countered back at our "rock bottom" and the other buyers are not moving up enough to meet us at a price that is acceptable to us.

We are still holding on to hope that the full price offer buyer will be able to get her financing situation stable. Thanks for all your responses.
... more
0 votes 7 answers Share Flag
Mon Aug 8, 2016
Maricris A answered:
Hello,

The photos of your property have been removed from our display.

Regards,

Maricris
Consumer Care Advocate
0 votes 1 answer Share Flag
Tue Aug 2, 2016
Victoria asked:
How do you edit a listing you posted? I have search other questions like mine and none of the answers are helpful.
0 votes 0 Answers Share Flag
Thu Jun 9, 2016
Soniajanki answered:
These are the tools and techniques to successfully when looking for pre-foreclosure and REO properties. Other real estate investors find them as useful.

Pre-foreclosures - The availability of pre-foreclosures depends largely upon the type of debt instrument recorded against property titles in each state, mortgages or deeds of trust (also called trust deeds or TDs).

1. Try contacting your local county court. Ask if Notices of Default (NODs) have to be recorded as court documents. If the answer is "yes," find out how you can search the new filings; if the answer is "no," try one of the other options below.
2. Find out if the County Recorder has data available online. An easy resource to use is netronline. com. Simply click on "Property Data Online," select the state you want, then click on the county, and voila! You'll be able to see what (if any) info is available over the Internet through the various real estate-related offices in that county.
3. Look in the "legal notice" section of the newspaper. Look for properties that are coming up for sale at public auction (sheriff's sale, trustee sale, whatever), jot down the addresses, the property owners' names, and the tax ID, or at least as much info as you can get from the ad.

http://ForeclosureProcess.net
... more
1 vote 20 answers Share Flag
Tue May 10, 2016
answered:
Hello Louiseakelly75, we as agents would not be able to answer that as it would be considered steering. These links may assist you with crime statistics:
http://www.crimemapping.com
http://www.crimereports.com
http://www.everyblock.com/
http://www.localcrimenews.com
http://www.mylocalcrime.com
http://www.spotcrime.com/ca
http://www.meganslaw.ca.gov
http://www.neighborhoodscout.com/
http://www.homefair.com/

The purchase in Simi Valley start from 208k for 2bd 1ba condo and up. 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 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. You could buy with minimum out of pocket expenses. 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 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.

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 1 answer Share Flag
Tue May 10, 2016
answered:
Hello Pamela, are you looking for down payment assistance to buy a home? You may consider the 3%-5% Sapphire Grant down payment assistance program from a minimum 620 fico score. You may qualify to buy with less out of pocket expenses than first, last and security of a rental.

The purchase in Simi Valley start from 208k for 2bd 1ba condo and up. 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 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. You could buy with minimum out of pocket expenses. 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 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.

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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