Private Mortgage Insurance covers the lender, not you. If you are having trouble making your mortgage and are collecting unemployment insurance in the State of California, then you might qualify for assistance from Keep Your Home California. I have attached a link to their site. If you qualify you can get up to $3,000 per month to pay your mortgage while you are unemployed (up to 12 months total). Please read all the terms and conditions. This program does create a "silent 2nd" that is forgiven if you remain in your home for 3 years after the termination of the assistance. Hope this helps.
Shel-lee Davis BRE #01817412
Real Estate Consultant International Real Estate Specialist - IRES®
Senior Real Estate Specialist - SRES®
Certified Home Seller Advisor - CHSA®
Certified Home Buyer Advisor - CHBA®
Member - National Association of Certified Expert Advisors - NAEA®
Certified Distressed Property Expert - CDPE®
RE/MAX Estate Properties
424-2HELP12 (424-243-5712)... more
This property is for sale not for rent.
When renting a property with no credit is up to the landlord. They may ask for a larger deposit..etc.
Please let me know if you have any further questions.
Hi, right now I'm in the Chicago area for the next few weeks, otherwise I'd probably line up a few to show you and spend a little time with you. But let me help you get a perspective as to why you're probably not getting the help you need. It's the 2 years of searching without buying a home, especially if you have worked with more than one agent.
Agents and brokers don't get paid if they don't close a sale, but they have expenses especially in the gas they use to show houses. But more importantly if they spend the day working with someone who is not likely to buy then they might miss out on working with someone who is.
My suggestion to you is to work with one agent, and you'll probably want to find someone who is fairly new to the business but has a very good broker who can compensate for their relative inexperience. A new agent might be willing to work with you to gain the experience and to start to build a referral base. Be very upfront with the agent about what you are really looking for and how long you've been looking, and do everything you can to respect the agent's time and be cognizant of the fact that until escrow actually closes that agent doesn't make a cent for all the time he or she is spending with you. In other words, eliminate houses you just don't want and focus on having him or her show you houses that you are willing and ready to buy, but do all that you can to make that decision ahead of time before you see the inside. And most important, if that agent has been helping you, do not let another agent slip in and get your business. If he or she has been doing a good job for you and has been patient be sure to stay loyal to them and let a competing agent know that you are already represented. Good luck.... more
Hi, there isn't any reason that you can't go to another lender, but you can also ask the lender who approved you if they can increase the amount. It isn't so much based on the lender, but it's whether or not your financial picture qualifies you for the higher loan.
One very important thing to note though: if they change the loan program to a different one in order to get you approved, be sure that you really understand what the new program is all about so that it doesn't come back to bite you in the future. Good luck.... more
The home is currently accepting backup offers. If you like I can send you a list of similar homes that are available. Please feel free to call / email me if you have any more questions.
Keller Williams Realty
This property sold back in 2008 as a bank owned home. It is no longer listed. If you are interested in other bank owned homes on the market please let me know. Homes with great deals are gone fast and I would be happy to let you know the minute something hits the market. Good luck with your home search. Need to contact me? Click my profile Picture.... more
Hello,Shigeo: Properties that do not include the address typically are not yet on the market. They are listed on these sites because the information is of public record (that the owners have a notice of default) and is not yet available to buy. It may go through a short sale or be foreclosed upon in the future. In the meantime, you are missing some great home!.
When you see listings on Trulia, Redfin, Zip Realty, or Realty Trac, they are not PURE MLS listings.
This is because these internet sites take information from the County Recorder's office, which is "public information", that is free. If these huge internet sites were to sign up for every MLS it would cost them a fortune to belong and pay the fees for every MLS that they show listings for NATIONWIDE.
Local Realtors have the most up to date and accurate information for property that is currently available. MLS Realtors pay for and have access to all of the local up to the minute information without all of the pending, sold and transferred information mixed in. Public internet sites get information â€œSecond handâ€, and convert it into a format that cannot distinguish between pending, sold, and other property recordings such as notices of default, foreclosures, tax liens, transfers and many other recordings that show up as properties for sale.
If you need some help, do not hesitate to contact me. I can set up a free website with ACTUAL ACCURATE LISTINGS that will fit your criteria and be sent to you every day as new listings and changes come about. Feel free to call. It's a much more productive way to buy than to search these website endlessly.
Bonnie Scribner, REALTOR, QSC
Century 21 Discovery