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Sonoma County : Real Estate Advice

  • All77
  • Local Info3
  • Home Buying36
  • Home Selling2
  • Market Conditions3

Activity 902
A few hours ago
Terry Bell answered:
Lease Options are usually offered by sellers when the market is slow and the seller is willing to either do owner financing, or wait till the market improves and lease to you in the meanwhile. Right now the market has picked up, and you are unlikely to find any situations like this. I am recommending that you consider a starter condo or a manufactured home and build up some equity. Right now there are some grants towards HOA dues to help out! ... more
0 votes 3 answers Share Flag
A few hours ago
Terry Bell answered:
Being disabled does not void age restrictions in 55+ communities, however, if you have an older family member, there are communities, particularly manufactured home communities that will allow a person under 55 to be a caretaker for an older resident. ... more
0 votes 2 answers Share Flag
Mon Feb 20, 2017
Sheryl Arndt answered:
Hello Rsgoldbar, the room rentals start from $940 a month rent in Santa Rosa. Are you living alone and separate from your husband? How much are you both paying in rent now? What is the maximum payment you are looking to achieve?

The rentals in Santa Rosa start from $950 a month for a studio apt and up.

http://www.realtor.com/apartments/Santa-Rosa_CA/price-na-2000/affordable

The purchase in Santa Rosa start from 269k for 1bd 1.5ba condo and the single family homes start from 280k for 2bd 1ba home.

You may qualify to buy FHA 3.5% down 2 years from a BK with a minimum 580 fico score. You may consider down payment and closing cost assistance programs from a minimum 620 fico score where you can buy with minimum out of pocket expenses.

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 some documentation 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.

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 1 answer Share Flag
Sat Feb 18, 2017
Sheryl Arndt answered:
You may already qualify for FHA financing with your scores.

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 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.

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 any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

The purchase in Santa Rosa start from 250k for 2bd 1ba condo and up. You may qualify to buy with minimum out of pocket expenses...

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 5 answers Share Flag
Mon Jan 30, 2017
Sheryl Arndt answered:
Hello Nhliving, 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 Windsor start from 449k for 3bd 2ba single family home. They start from 325k for 3bd 2ba condo in Healdsburg and from 425k for 2bd 2ba condo. The inventory is quite low currently.

The rentals start from $1,600 for 1bd 1ba apartment in Healdsburg and from $2,100 for 3bd 2ba apartment in Windsor. The inventory is quite low so you may want to check with the local rental management companies as well.

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 any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

How much are you currently paying in rent and what is the maximum payment your looking to achieve? Are you looking to rent or buy?

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 some documentation 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.

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.

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 1 answer Share Flag
Mon Jan 16, 2017
Scott Godzyk answered:
Hopefully you purchased owners title insurance when you bought it, they will then take care if it for you. If not you can start by going to the lawyer who close the purchase when you bought it and ask them to fix the issue. If not you may need a lawyer to track down who can sign off. ... more
0 votes 1 answer Share Flag
Wed Dec 28, 2016
Maricris A answered:
Hello,

I have emailed you regarding this concern.

Regards,

Maricris
Consumer Care Advocate
0 votes 1 answer Share Flag
Fri Dec 9, 2016
lilith Rogers answered:
Yes, The Sebastopol Senior Center offers lots of fun and interesting activities and great cheap lunches.

You'll like it,

Lilith Rogers
0 votes 3 answers Share Flag
Sat Dec 3, 2016
Yralvarado2 asked:
What types of loans can undocumented immigrants or DACA recipients qualify for?
0 votes 0 Answers Share Flag
Wed Nov 30, 2016
akerwin asked:
I tried to list on Zillow, they declined it but it was sent to your site and others. I want it deleted...
Thank you
0 votes 0 Answers Share Flag
Sun Nov 20, 2016
Info answered:
We use www.RealTourvision.com over at our company and have since we started. The software is awesome. Their new 3D virtual tour system that's coming out is cutting edge and they're always making pretty slick updates for us to take to market. Would never use anyone else. Tour hosting is only ten bucks plus they send us lots of jobs from their national accounts! ... more
0 votes 6 answers Share Flag
Sun Nov 13, 2016
Trobertsonsf asked:
These could be any mix of units and we need the cost at prevailing and non-prevailing wage. Thanks.
0 votes 0 Answers Share Flag
Sat Nov 5, 2016
Thelma A Kleebauer asked:
THE CITY OF SONOMA WOULD BE GREAT
0 votes 0 Answers Share Flag
Thu Oct 27, 2016
Cbcall answered:
Grange Credit Union in Santa Rosa finances lots of manufactured homes. They offer the best rates and terms. Easy to work with. Their number is 707-584-0384.
0 votes 7 answers Share Flag
Thu Oct 20, 2016
Danny Ponder answered:
Yes, Fannie Mae HomeReady is a great product for this. let me know if I can assist.
0 votes 2 answers Share Flag
Mon Oct 3, 2016
Maricris A answered:
Hello,

If you would like to post a rental on Trulia, you will be redirected to use our partner site, Zillow Rental Manager, to list your rental on Zillow, Trulia and other top sites. Please follow this link for instructions on how to post a rental listing:

http://www.trulia.com/post-rental/

If you have additional questions or have issues with posting your listing, please reply back to this email and I will be happy to help you.

Zillow Rental Manger Help:
https://zillowrentalmanager.zendesk.com/hc/en-us

Regards,

Maricris
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Sat Oct 1, 2016
Susie Kay answered:
That's a question that's best answered by an attorney and/or CPA, not realtors. Your attorney can discuss with you the legality aspect of each title and your CPA the tax consequences. You can select the title that suits you best depending upon what you are trying to accomplish and your current financial/family condition.

I hope this makes sense!
... more
0 votes 10 answers Share Flag
Wed Sep 28, 2016
Rich Reed answered:
Are you the buyer or the seller? Do you have a Realtor representing you? You question is best answered by your agent, broker, and/or attorney reviewing your specific contract!

Best of luck! ... more
1 vote 1 answer Share Flag
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