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Home Buying in Vallejo : Real Estate Advice

  • All237
  • Local Info22
  • Home Buying100
  • Home Selling2
  • Market Conditions6

Activity 92
Thu Oct 5, 2017
Lee Tayebi , CRS answered:
Buy a home through us in Seattle or any other city in Washington State & receive at Escrow several Thousands of dollars or 50% CASH REBATE : VISIT FinancialSupportRealty.com
Call Lee Tayebi at 425-747-9999 with any question. ... more
0 votes 36 answers Share Flag
Thu May 18, 2017
Lillian Quintero asked:
Sat Jan 21, 2017
answered:
Hi Angelic,

Your realtor can provide some advice and comp analysis that should assist you. Are you working with a realtor? If not, I know a couple of realtors in Vallejo.

Best regards,

Elva A. Wormley
Mortgage Consultant
Office (408) 615-8500
C2 Financial Corporation
2845 Moorpark Avenue, Suite 209
San Jose, CA 95128
NMLS #331981 / BRE #01274093
... more
0 votes 1 answer Share Flag
Sun Jul 10, 2016
Josephine ("Jo") Cusi answered:
Hi, CJ! I just saw your question and I hope that you already closed on this purchase. But in case you still need some insights...

Short sale is a very complex transaction with many more moving parts compared to a regular sale. What you are experiencing are some of the challenges that come with a short sale. Your best ally in completing it successfully is your agent. He or she is the one who is in the midst of all these negotiations. Note that some agents use a 3rd party negotiator. Clear communication with all parties (lender, lienholders, etc.) is a must. As in the case of the deadline of the 2nd lienholder, if it states 5/30/15 on the approval letter, then it is likely that. Keep in mind that the point of contact for lienholders are handling many files, not just yours and they can easily confuse deadlines, etc. So you as a buyer, along with your agent need to be on top of all that is going on. As far as the extension goes, if the lienholders know where you are in the process and it is at the tail end of it, they will likely grant the extension. They, too, want to close.

Regarding your loan, if all conditions are met to fund the loan, then you should be okay. With a short sale, the estimated final HUD needs to be approved by both lienholders so be sure that is taken care of, not to mention both approval letters need to be valid up to the closing date. Another important thing, if the house is also in foreclosure, know when the auction date is scheduled because an extension may be needed for that as well. All these details matter.

Anyway, I truly hope you have successfully closed on your purchase at this time. Good luck and hope this helped.

All the best,
Jo
... more
0 votes 1 answer Share Flag
Mon May 23, 2016
Myra answered:
Vallejo is considered very affordable compared to San Francisco. It is 30 miles north of SF and 30 miles south of Sacramento. It is next to Napa, CA. It has great weather. You can ride the ferry to SF. It is one of the most diverse areas in the United States: 25 percent each Hispanic / Latino, white, black and Asian/Pacific Islander. I have lived in East Vallejo for 16 years and have had no problem at all. East Vallejo, which is East of I-80 is very beautiful area, rolling hills and you can still see wildlife (deers, coyotes) at night. Downtown or Central Vallejo has beautiful century-old houses. Mare Island Shipyard, which was the oldest naval base in the west was the area's biggest employer. Vallejo was thriving when the Naval base was open, however, when it was closed in the 90s, businesses and local government struggle to provide good employment opportunities in the city. Currently, the biggest employers within the city are the hospitals: Kaiser and Sutter. Nevertheless, Mare Island remains a very beautiful spot to explore. There are hiking trails there called Mare Island Preserve. There are three universities within Vallejo: CSU- Maritime Academy, Touro University and Solano Community College. There is a lot of potential in this city. More and more artists are moving into Vallejo. ( Artists are getting priced out of SF and other cities.) The artists are reviving the downtown. Glen Cove area is also very scenic. So, to answer your question, where should you look if you want to buy a house? Depending on your budget. East Vallejo and the historic houses may be more pricey. Good luck! ... more
0 votes 9 answers Share Flag
Mon May 9, 2016
answered:
Hi Shannon,

As far as I know, the only time a tax lien would count against the CLTV is on a refinance where the IRS has an existing lien on the title.

As long as you have repayment agreement in place & a 12 month history of making the payments on time. I can do your FHA mortgage.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.

Please feel free to contact me for more information or help.

John Burke
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online: https://secure.smartapp1003.com/102471/?loanofficerid=106115
(877)228-9069
NMLS# 787231
http://www.trulia.com/profile/john-burke-mortgage-broker-or-lender-austin-tx-993995/reviews
... more
0 votes 2 answers Share Flag
Mon Apr 18, 2016
Scott Brown answered:
The homes in this beautiful community are pretty nice, although there were some issues with some of the construction. I was in construction many years and saw a lot of different workers on crews and from what many of my former co-workers did and say they saw others do, it happens to many homes all the time. Tiara is still one of the nicest places to live in Vallejo, which is one of the best locations to be in the San Francisco Bay Area. Prices have gone way up since this original post. ... more
0 votes 11 answers Share Flag
Thu Mar 31, 2016
answered:
No it is not mandatory and the cost depends on a lot of factors.

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
Sat Mar 19, 2016
Fredfifty answered:
Area is Vallejo, Ca (SF Bay Area)
0 votes 1 answer Share Flag
Tue Jan 19, 2016
answered:
Yes. But the lien has to be paid off.

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
Sat Dec 5, 2015
Sally Grenier answered:
Try googling "mortgage calculator" and you'll find plenty! I like this one:

http://money.cnn.com/calculator/real_estate/mortgage-payment/
0 votes 1 answer Share Flag
Sun Jun 14, 2015
Terry Bell answered:
Inventory in Northern California is very tight as a result of so many homeowners losing their homes during the foreclosure crisis, now there are many more renters. So if you have been renting, you should work on your credit so that you can get into the home owners market, as rents are sometimes higher than mortgages. For those with low incomes, I suggest you look into a manufactured home. If you're an investor, you probably know that prices have gone up a lot in the last few years, but there are always fixers that can be a great deal. If you're looking in Sonoma County, drop me an email or call!
Terry Bell, Realtor
CPS Real Estate, Santa Rosa, CA
Sonoma County Real Estate
707-292-5712
TerryinSR@aol.com
... more
1 vote 3 answers Share Flag
Thu Jun 11, 2015
Scott Brown answered:
Many foreclosures get sold through the MLS, while some strictly go on auction sites, sell on the courthouse steps, or at the fairgrounds auctions, or sometimes at the property porch itself. A thorough search of websites, newspapers and other sources will allow you to see foreclosures as well as pre-foreclosures, short sales and other distressed homes, as well as regular sales of homes with prices far below market value for one reason or another. They could have an agent or owner who is not aware that they can get more for the home or just plain out price it low for a quick sale. In any case, you usually have to have cash to buy foreclosures in an auction but not always. When buying them through the MLS you can usually use a loan to make that REO purchase. A good Realtor or Real Estate Broker (or Agent) can help you find a home and help you with the buying process.

Scott Brown
Realtor, Real Estate Broker & MBA
Scott Brown Realty
707-474-8855
www.USAHouses.com
... more
0 votes 6 answers Share Flag
Sun Apr 19, 2015
answered:
Hello Curious, I do not find it listed for sale? What are you looking for in particular?

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 Vallejo start from 72k for 2bd 1ba condo, 90k for 3bd 1.5ba condo and the single family homes start from 170k for 3bd 1ba home which is as low as $850 down payment with a minimum 580 fico score @170k.

You will need to be pre-approved if you decide to buy 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, home price, loan program and how much you want to invest into the down payment and closing costs.

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. 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 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.
... more
0 votes 1 answer Share Flag
Sun Apr 19, 2015
answered:
Hello gentriez, you did not include an address or link to know which house you are asking about? Are you looking for open houses? Do you have an agent?

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 Vallejo start from 72k for 2bd 1ba condo, 90k for 3bd 1.5ba condo and the single family homes start from 170k for 3bd 1ba home which is as low as $850 down payment with a minimum 580 fico score @170k.

You will need to be pre-approved if you decide to buy 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, home price, loan program and how much you want to invest into the down payment and closing costs.

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. 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 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.
... more
0 votes 2 answers Share Flag
Mon Dec 22, 2014
Mafu07_bdc answered:
I am also looking for house , with yhe range of 1400-1700 per month monthly payment 3-4beds 2bath. I am a first time buyer, january 2013 we strated looking for a house but after 5months we stopped looking because everytime we wanna see the house our agent often says it is already taken, its really hard. now we are renting for 1670 a month, we wanted also to have it as close as 1400- 1700 monthly ammortization if lucky to find one. may I know also if anyone could help us for the downpayment or low payment for 7-10k range. we are looking for vallejo suisun area with a nice neighborhood to raise our 2 childrens. email me @mafu07_bdc@yahoo.com ... more
0 votes 8 answers Share Flag
Fri Aug 29, 2014
Don Parish answered:
PLEASE, do yourself a favor & do not move to the place on Georgia St., you'll be sorry!
0 votes 2 answers Share Flag
Wed Aug 20, 2014
Don Parish answered:
Thu Jul 10, 2014
Teri Andrews-Murch answered:
Most of the rentals are posted by property managers who specialize in rentals, contact them directly for showings or applications. (it is not like homes for sale where usually any agent can help you) Also be aware there are a lot of rental scams out there, if it seems too good to be true it probably is a scam. ... more
0 votes 4 answers Share Flag
Wed Jun 25, 2014
Lynne Reno answered:
You have a few choices, none are great. Save up enough cash so that you can offer a landlord a large deposit, and get a co-signer. Or, look for a private landlord who may not check evictions or ask about them. They don't show up on a regular credit report so if your credit is not horrible you might get a copy of your credit report and offer it to private landlords, but if they ask if you have had an eviction you really need to tell them the truth. Also, look on craigslist for rentals which accept evictions, I have seen a few in Sacramento listings but it's not common in the SF bay area. Also, consider residential hotels until you can rebuild your credit. ... more
0 votes 2 answers Share Flag
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