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Home Buying in Sonoma County : Real Estate Advice

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  • Local Info3
  • Home Buying37
  • Home Selling2
  • Market Conditions3

Activity 334
Sat Sep 23, 2017
Maria Price answered:
How about in this market? No one can offord the home prices and come up with the deposit because rent is out of control.
0 votes 7 answers Share Flag
Tue Aug 22, 2017
Kathy Burgreen answered:
It means the property is NOT for sale or rent. Websites like Trulia, Zillow and other real estate websites pay 3rd party vendors to copy property information from counties across the U.S. - as long as the county makes it publicly available. Therefore, the listings you see with "Off Market Public Record" means the information was provided by the county's tax assessor's database. ... more
0 votes 1 answer Share Flag
Sun Aug 20, 2017
Garthgordon answered:
What senior parks in Sonoma County have garages?
0 votes 5 answers Share Flag
Thu Aug 17, 2017
Rally4marc answered:
Is Sonoma exempt too is it now on the list purchasing properties
0 votes 7 answers Share Flag
Thu Jun 8, 2017
Terry Bell answered:
I'm a licensed Realtor in Sonoma County and have lived here since 1973! I would be happy to give you some advice on real estate in this area.
Best, Terry
Terry Bell, Realtor
Better Homes Realty
917 College Ave.
Santa Rosa, CA 95404
707-292-5712
... more
0 votes 4 answers Share Flag
Mon May 8, 2017
Kathy Burgreen answered:
Yes, foreigners can get a mortgage to buy real estate in the U.S. As you stated, you will need a large down payment (30% or more). You also need to Google "FIRPTA" tax. This is a tax foreigners need to pay when you sell real estate in the U.S. I know you are buying but you need to be aware of FIRPTA if you ever decide to sell in the future. ... more
1 vote 2 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
Sun Apr 9, 2017
Terry Bell answered:
There is only one mobile home park in sonoma county where you own the land. Please drop me a line and I will be happy to show you what's available.
Terry Bell, Realtor
Better Homes Realty
707-292-5712
TerryinSR@aol.com
... more
0 votes 2 answers Share Flag
Sun Apr 2, 2017
NMS21 asked:
We are looking to buy a home a which has 3-levels and 1 car garage with enough parking for 2-cars in driveway.

The lower level has 1b/ba and garage with an entrance to a small backyard.…
0 votes 0 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
Terry Bell answered:
Well, of course, the obvious answer to you is that it's against the law to discriminate. But I hope you are looking in Sonoma County, as we pride ourselves on diversity and I personally feel that our new global perspective due to the internet and being near Silicon Valley makes Northern California a welcome spot for all! ... more
0 votes 1 answer 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
Thu Feb 23, 2017
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
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
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
1 vote 10 answers Share Flag
Thu Aug 25, 2016
Jon Picone asked:
--
This question was asked from this property: http://www.trulia.com/foreclosure/3235046571-17586-Orchard-Ave-Guerneville-CA-95446#photo-2
0 votes 0 Answers Share Flag
Thu Aug 11, 2016
Susan Layser asked:
I have inherited money but it is in several different IRAs and other accounts. I cannot cash it out without a large tax penalty, but the funds are more than enough for a good home if I take…
0 votes 0 Answers Share Flag
Thu Aug 11, 2016
Epsingh60 asked:
Hi,
I'm living in apartment @ Bay Area in california. Someone suggest me to apply for Low income houses, bcoz someone in my family is sick. So I'm not working a lot as i used…
0 votes 0 Answers Share Flag
Sun Jul 3, 2016
spynkist asked:
I am looking to determine building costs for a very modest (entry level, basic quality) ~1,000 sqft home on a parcel in Sonoma County, CA. Are there any recommendations for an architect…
0 votes 0 Answers Share Flag
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