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Home Buying in Sonoma : Real Estate Advice

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  • Local Info11
  • Home Buying33
  • Home Selling11
  • Market Conditions5

Activity 41
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
Sheryl Arndt 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
Sheryl Arndt 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
Sheryl Arndt 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
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
Sheryl Arndt 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.
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0 votes 2 answers Share Flag
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
0 votes 3 answers Share Flag
Thu Jun 5, 2014
Ryan Rudnick answered:
It appears the listing has been removed as of the 1st of this month. However, I'd be happy to help you find something similar if you're in the market for a new home in the area.

Hope this helps!
-Ryan
... more
0 votes 3 answers Share Flag
Thu Jun 5, 2014
Ryan Rudnick answered:
Hi there,

I'd be happy to help you research this listing further if you could give me a bit more information. Based on what you've said (the street, price and size of the home) I'm guessing that $50k is a starting bid price or a type-o and isn't the actual price you would pay for the home.

In addition to being a real estate agent, I work with an LLC that renovates properties and have had experience with this type of home and sale.

That being said, foreclosure properties, short-sales and trust-sales can definitely be great deals if the potential for some needed renovations doesn't scare you away. Please contact me via my profile and I'll help you out.

Thanks,
-Ryan
... more
0 votes 1 answer Share Flag
Sun Jan 19, 2014
Susan Irvine answered:
Hi Julianne,
I am a Certified Distressed Property Expert here in the Sonoma Valley. I have a bank owned home coming on the market in a week in Sonoma. I also have a listing that needs a bit of help in Glen Ellen. Let me know if I can help, thanks.
Susan Irvine
Terra Firma Global Partners
... more
0 votes 5 answers Share Flag
Thu Oct 3, 2013
Shirley Wilson answered:
Fri Aug 30, 2013
Golly Mc Ginty answered:
This is a hard one. I am just listing one for sale and I was told that it is both. It is manufactured mobile. They are not on a full foundation, and they could be moved with alot of help... ... more
0 votes 2 answers Share Flag
Fri Aug 2, 2013
Sharon Hawthorne answered:
Sonoma County is generally gay-friendly and becoming more so all the time. The only community with an overtly gay identity is in the Guerneville area. I believe that the areas where safety might be an issue for a gay person would be the same as where safety is an issue generally -- neighborhoods with gang activity . In general I believe the "West County" -- Sebastopol, the Russian River area and westward -- is the more liberal area of the county, but there are LGBTQ folks throughout Santa Rosa and even quite a number living quietly in Oakmont (the large senior living development west of Santa Rosa). ... more
2 votes 1 answer Share Flag
Sat Jul 20, 2013
Terry Bell answered:
I'm not hearing any buyers complaining about rising rates, just concern about the increase in prices. Perhaps as inventory continues to grow, things will continue to stabilize in our market. ... more
0 votes 5 answers Share Flag
Wed Jul 3, 2013
Claudia Muller answered:
As a lender, I would put together an estimate of closing costs for you.
I would contact the title/escrow company and get and an estimate of their fees.
I would ask you if you were planning on having your taxes and insurance included with your house payment as this will greatly impact your closing costs.
With a zero point loan, it would be good to budget about 2.25% of your purchase price for closing costs.
... more
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