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Sonoma : Real Estate Advice

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  • Local Info11
  • Home Buying34
  • Home Selling11
  • Market Conditions5

Activity 85
Thu Jun 8, 2017
Terry Bell answered:
Refinancing your home to remove mortgage insurance is a good way to save money, and also take out some equity for your next purchase. There are many tax benefits from owning a rental, but other tax ramifications, so make sure you also discuss this with your tax accountant as well as a lender. I can refer several loan brokers who can help you with your financing.
Terry Bell, Realtor
BHR Real Estate
917 College Ave.
Santa Rosa, CA 95404
707-292-5712
... more
0 votes 1 answer Share Flag
Fri May 12, 2017
philip oggero asked:
I changed my settings to only get emails about one saved search, but I still get tons of emails about stuff I don't want and removed from my saved search STOP IT
0 votes 0 Answers Share Flag
Mon May 1, 2017
David Smith answered:
Diverse agriculture with a maximum of 1 dwelling per 10 acres. I believe it can be subdivided into 3, 3 acre lots.

Feel free to contact me, if you are not already working with an agent.

David
... more
0 votes 8 answers Share Flag
Wed Mar 1, 2017
answered:
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.

The purchase in Sonoma start from 369k for 2bd 1ba condo and the single family homes start from 409k for 3bd 1ba home. The single family homes in Healdsburg start from 469k for 2bd 2ba home.

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 some documentation for each applicant.

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 qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 424k. 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 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 2.5 million. You will need 20% down to purchase over 2.5 million.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 8 answers Share Flag
Wed Mar 1, 2017
answered:
Hello June, the information you requested can be provided to you by email. Are you looking to buy? Do you have down payment and closing cost or do you need down payment and closing cost assistance?

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.

The purchase in Sonoma start from 369k for 2bd 1ba condo and up. 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 some documentation for each applicant.

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 qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 424k. 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 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 2.5 million. You will need 20% down to purchase over 2.5 million.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 2 answers Share Flag
Wed Mar 1, 2017
answered:
Hello Dcarroll, it depends on what your meaning by bad credit. 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 up to 424k. 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 424k.

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 qualify ONE DAY after a short sale, foreclosure or deed in lieu with 20% down and minimum 620 fico score.

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 some documentation for each applicant.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 3 answers Share Flag
Sun Apr 24, 2016
Terry Bell answered:
Starting with bare land is always a long process, even with a manufactured home you still have to get permits for the house, water, sewer and power. I had a manufactured home constructed on land so I am very familiar with the process in the county area which included perk tests for a septic system. I generally advise people to try and buy a fixer on land that is large enough and will allow either a second unit or granny unit, and that way have something to live in while you are working on your project.
Terry Bell, Realtor
Better Homes Realty
Santa Rosa, CA
707-292-5712
www.TerrysHomes4sale.com
BRE lic.#01414808
... more
0 votes 1 answer Share Flag
Mon Feb 29, 2016
Mary Weakley asked:
Mon Feb 29, 2016
Mary Weakley asked:
Sat Oct 3, 2015
Cindy Davis answered:
How do you define 'a good place?" Are you talking about a good place to meet men or a safe place? It would help if you offer what variables are most important to you in finding a place to live. ... more
0 votes 1 answer Share Flag
Tue May 12, 2015
Dan Tabit answered:
Hi Connie,
Probably, but it may be voidable due to the lack of knowledge of specific California law. If you want a proper California contract, us an attorney licensed in California or an Agent who can manage the transaction for you. ... more
0 votes 3 answers Share Flag
Fri May 1, 2015
answered:
Hello Maria, that is a good start to see what you have to work with as that is considered a soft pull and if you have a lender like me run credit it is a hard pull which dings your score a few points. We as a lender go by your middle score of the three bureaus. 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 to buy FHA with fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as .5% half percent down payment program. You may consider 3% down conventional from a minimum 620 fico score.

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.

The purchase in Sonoma start from 225k for 2bd 1ba single family home which is as low as $1,125 down payment with a minimum 580 fico score @225k.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and compare. Here are some links to study as well as web reference links to many loan program pages offered...

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
22+ 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

If my response was helpful, consider clicking Thank, Link or Best Answer.
... more
0 votes 2 answers Share Flag
Mon Jan 26, 2015
Tim Moore answered:
Rental scams are everywhere on line these days. Some people just never get offline and obviously many must fall for the scams because there is no shortage of them.

Just never ever send money no matter how good of a lie they tell. ... more
0 votes 1 answer Share Flag
Tue Jan 20, 2015
Terayobert48 answered:
Wed Nov 12, 2014
hoffmanfinancialhome answered:
Do you need Financial assistance of any kind? Personal Loans? Xmas Loan? Business Loans? Mortgage loans? We give out loans at 2% interest rate! , if yes get back to us with this loan application form and send it to our mailing box : hoffmanfinancialhome@gmail.com

Name:
Loan amount needed:
Duration:
country:
State:
phone number
Age

Contact us today at email : hoffmanfinancialhome@gmail.com
... more
0 votes 7 answers Share Flag
Fri Sep 19, 2014
Maggie Bafalon answered:
Absolutely. In fact, almost everyone there has a dog they walk. I'm pretty sure the answer to the rental question is yes, but would want to be sure.
0 votes 2 answers Share Flag
Thu Aug 7, 2014
Derek Jones answered:
Are you looking to purchase a home at a foreclosure auction or just a REO home? Any agent should be able to assist you with a REO home. Besides a good Realtor I always advise to make sure you get a home inspection! ... more
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