Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Home Buying in Temecula : Real Estate Advice

  • All622
  • Local Info39
  • Home Buying255
  • Home Selling17
  • Market Conditions15

Activity 309
Mon Sep 25, 2017
Liliana Villanua asked:
selling my home in Downey ,I'm 62 semi-retired woman. best and more stable area? my budget 320-330k I like Menifee. any thoughts?
0 votes 0 Answers Share Flag
Thu Sep 7, 2017
Liliana Villanua asked:
Is Menifee is a good choice? what s the best area in Menifee? I know can't afford Temecula , is there any other good area around it that I missed?
0 votes 0 Answers Share Flag
Wed May 3, 2017
answered:
Hello Ray,

I would love to explore a few different options to put you in the best mortgage vehicle for you and your family. Having a 610 credit score, while initially qualifying you for a FHA loan, is only a temporary roadblock to further and future options.

At Nations Lending, we have quick and efficient turnaround times for all mortgage products. I would be more than happy to discuss, at no cost or obligation to you, any questions or concerns you may have about your current situation.

Please feel free to contact me at any time. I am licensed in 9 states, including California where my expertise lie.

Warm Regards,
Derek Kalish
Derek.Kalish@nationslending.com
614-493-2162 | Direct
855-951-7793 | Toll Free ext. 2005
16145737247 | Fax
... more
0 votes 3 answers Share Flag
Tue Feb 21, 2017
Scott Godzyk answered:
Technically you are still responsible unless they discharged it in bankruptcy. You may want to call your bankruptcy attorney. As far as signing a deed in lieu of foreclosure, just make sure they release you of liability, you may need to have a lawyer review this before signing ... more
0 votes 1 answer Share Flag
Mon Jan 30, 2017
Nikki R Aguirre answered:
Hi Mary,

The first thing you want to do is to check your credit score with a lender. This is what they will use to apply for the loan, so it is better to use their vs. a free credit score report. Let me know, I have lenders that can run it for your for free.

Then, the next thing I recommend is to decide how "bad" is bad...because if you are only a fee points away from a better interest rate, then I recommend working with people like Dedicated Credit repair to boost the score so your payment is lower, and save money over the 30 years.

Then, when the credit is there to give you affordable terms, we can help you find the right house here in Murrieta or Temecula. You can message me here or on our site homefinderbyschool.com
... more
0 votes 2 answers Share Flag
Sun Aug 14, 2016
Nmdouglas1 answered:
No, you don't need to, but it is beneficial to have representation. Note that not all Realtors know a lot about new home construction. If you want representation, then look for a Realtor who is also a Certified New Home Specialist, meaning they had special training to learn the ins and outs of new construction or an agent who has a history of working new construction. ... more
0 votes 28 answers Share Flag
Thu Jun 30, 2016
Evereadyhomes asked:
Sat May 28, 2016
Christa.c answered:
I'm getting approved for a hoam loan...but don't have a down payment right now. Are there programs available to assist with down payments?
0 votes 7 answers Share Flag
Fri May 6, 2016
answered:
Hello Lakeuniongirl, you should consult with the local phone services there. There is in the local surrounding areas.

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 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, 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.

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 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.

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 2 answers Share Flag
Wed Apr 13, 2016
Buyers asked:
We're looking for a listing agent or broker with a NEW LISTING you'd like to sell ASAP. We are not working with a realtor & are willing to pay full appraised value & can…
0 votes 0 Answers Share Flag
Fri Apr 8, 2016
answered:
Yes the realtor may, It would be better if he called it a gift towards closing costs though and no it can not be on the loan documents. I
0 votes 2 answers Share Flag
Thu Feb 25, 2016
answered:
When I first became a real estate agent, I thought I would go out and find foreclosures for people. I was going to get people the best possible deals, or so I thought. What I found is that so many people think a foreclosure is automatically a bargain no matter what, they bid too much on them. I wrote dozens of offers and never got one, there was always someone willing to pay more than the home was worth in a normal sale.
I have not seen where that has changed. The other side of the coin is it is very easy to get skinned alive buying foreclosures. These properties are "as is."
Many of them do not sell at auction, and end up being listed. So you can just get an agent and look at a all houses and see if the foreclosure is the best bargain.
On the auctions, they guys who do well on that, buy fixers upgrade them and resell them. This is a business for these guys and they know exactly what they are doing.
Finally, you may be able to get a "peforeclosue" that is house with a notice of default. These people are generally overwhelmed with letters, phone calls and people knocking on their doors. You will not generally find them too receptive.
The end result really is that the late night commercial wanting to sell you that very expensive real estate course, was put together by someone who realized they can make much more money, selling these courses than buying foreclosures.
... more
0 votes 1 answer Share Flag
Mon Feb 22, 2016
answered:
Absolutely! With your credit score and income, you should be able to qualify for a very nice home. We can get you PreApproved for your new home within 24 hours at no charge. Currently, we're waiving our loan processing and underwriting fee, in addition, we'll cover your appraisal cost in escrow with a lender credit! Give me a call. We're located in Southern California.
1-855-692-3856 x102

Thank you,
Kevin Wells NMLS 974243
Mortgage Lending
... more
0 votes 3 answers Share Flag
Mon Feb 22, 2016
answered:
Foreclosures are just a house owned by a bank. If the house has not been thrashed out of spite by the old owner you simply need to write an offer through an agent directly to the bank and financing is available.

If the house is in disrepair you will need to pay cash or obtain a loan that will allow for repairs. FHA has a good program for that the 203K program.

If the house has not been taken back by the lender then you write the offer to current owner.

Many real estate agents can't or wont help you write offers on these as they are not listed with the MLS. As a broker I can help you. If you have a house in mind I do not mind helping you buy it.


Give me a call at 714-968-2500

CA BRE License number 01080071
... more
0 votes 2 answers Share Flag
Thu Feb 11, 2016
answered:
You will need a real estate agent.

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
... more
0 votes 1 answer Share Flag
Thu Jan 28, 2016
answered:
Depends. What will be your source of income wen you get to the Bay Area?

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
... more
0 votes 1 answer Share Flag
Thu Dec 31, 2015
Arpad Racz answered:
Hi,

I would have a local agent come out to the property and go over a list of upgrades that would make it most marketable.

Kind regards,

Arpad
0 votes 1 answer Share Flag
Thu Dec 17, 2015
Cindy Davis answered:
You need to speak with a qualified lender in your community. You can do it by phone or in person. Only by going through the pre-appproval steps will you know if you can obtain a mortgage. ... more
0 votes 1 answer Share Flag
1 2 3 4 5 6 7 ...
Search Advice
Search
Home Buying in Temecula Zip Codes

Followers

387