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Tulare County : Real Estate Advice

  • All9
  • Local Info1
  • Home Buying4
  • Home Selling2
  • Market Conditions0

Activity 216
Tue Apr 25, 2017
Kathieobryan88 asked:
Thu Apr 13, 2017
Maru Flores Bustamante asked:
And why some Banks Takeshi Long time when they ofered 210.000 based on income and Credit score about 675? I like to speed up The process is that posible? Thank you and by The way whe are…
0 votes 0 Answers Share Flag
Wed Apr 5, 2017
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

There are a lot of mortgage programs available and if you have at least a 580 credit score you only need a 3.5% down payment. If your scores are higher there is a no money down option available.


If you have any other questions or need help with this you are welcome to get in touch with me.
... more
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Sun Mar 12, 2017
Bruce Swanson asked:
Thu Feb 9, 2017
Markalisea723 answered:
Recently my house went into foreclosure on February 9th 2017 new body purchased it the bank took it back what are my options I'm staying in the residence till on the homeowner do I have days months years what are my options ... more
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Sat Jan 21, 2017
Angiekhanson22 answered:
Sat Jun 25, 2016
Jennifer Travis asked:
and we dont have the best credit but are currently working with lexighton law to repair our credit. Our landlord came to us and said they want to sell the home we live in and need us to…
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Wed Jun 15, 2016
Mgardnercruse asked:
Fri May 27, 2016
Delilahromo answered:
No they are NOT second chance rental company. they are probably the hardest one to get qualified with. You can try equity group and they are more likely to approve you. hope this helps. ... more
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Wed May 25, 2016
Amlindberg85 asked:
I am on the hope program and I am currently repairing my credit. They told me that the websites they go through for rent to own homes are trulia and zillow. However, I have not found any…
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Mon May 16, 2016
Sheryl Arndt answered:
Hello Cierradm.911, what do you have on your credit? How long ago are the credit issues? You may qualify to buy with minimum out of pocket expenses and pay less than rent in many local cities.

The rentals in 92392 zip code of Visalia start from $625 for 2bd 1ba single family home and up. The purchase in Visalia start from 68k for 2bd 1ba single family home and up. You may consider a 3%-5% Sapphire Grant down payment assistance program 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.

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 to buy you will need to be pre-approved to be able to meet an agent to submit offers on 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
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Mon May 16, 2016
Sheryl Arndt answered:
Hello Joerita Richmond, you did not include a link or address to send you the pictures.

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 Visalia start from 68k for 2bd 1ba single family home and up. You may qualify to buy with minimum out of pocket expenses and pay less than rent in many local cities. You may consider a 3%-5% Sapphire Grant down payment assistance program from a 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. 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.

You may qualify for traditional 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.

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.

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 1 answer Share Flag
Mon Apr 25, 2016
Alexander Greer answered:
You get to always skip 1 full month.

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
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Thu Mar 31, 2016
Sandy asked:
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Mon Feb 8, 2016
Snakekeeper97 asked:
For this house specifically? http://www.homes.com/property/849-n-lebec-ct-visalia-ca-93292/id-100001306315/

I have heard $300 for the electricity from an agent, but my father says his…
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Mon Nov 23, 2015
sgareeves answered:
I would look in the NW areas is good. There are other areas also but hard to explain here.
0 votes 3 answers Share Flag
Mon Sep 14, 2015
sgareeves answered:
Not high. It is a nice city that is nice to raise a family in. If you are from a big city then you might find it a bit boring. There are bad areas like all cities,
0 votes 2 answers Share Flag
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