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Ventura County : Real Estate Advice

  • All57
  • Local Info1
  • Home Buying31
  • Home Selling5
  • Market Conditions0

Activity 992
Sun Jan 29, 2017
Sheryl Arndt answered:
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.

You may even utilize High Balance down payment and closing costs assistance programs and close with minimal out of pocket expenses all the way up to 636k.

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
Tue Jan 3, 2017
Maricris A answered:
Hello,

To post a room for rent on Trulia, please follow these steps:

From the Trulia homepage, hover your mouse over the 'Rent' tab.
Click 'Post Your Rental Listing' at the bottom of the drop down.
Under 'Post a room', enter your address and click 'Continue' (if you click 'Post a home or apt', you will be redirected to our partner site, Zillow Rental Manager).
Follow the rest of the prompts to add specific listing information.
Once you click 'Publish', the listing will appear on Trulia within 1 hour.

Please note the listing will show on Trulia and also our partner brand, HotPads.

I hope this helps! If there is anything else I can assist with,

Regards,

Maricris
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Thu Dec 22, 2016
Rich Reed answered:
Hi Jessica, you should consult with a real estate attorney, or maybe a family law attorney, before you decide.
It seems to me that if you're on title you are a co-owner and should be on the purchase agreement. If you're on the purchase agreement your half of the down payment would not need to be a gift. Loans are sometimes made in the name of only one of the owners, but you are correct in being concerned about who is on title. California, being a community property state, has some protections, but if you don't carefully read and understand everything you are signing you may not be protected. Hope this helps!
I am a real estate broker qualified to advise you on California real estate matters, not the law. If you desire legal advice, consult with an attorney.
... more
0 votes 2 answers Share Flag
Wed Dec 14, 2016
Sheryl Arndt answered:
Hello Dpowell2, the 3bd 2.5ba condo rentals in 93065 zip code of Simi Valley start from $2,250 rent. The 3bd 2ba single family homes start from $2,795 monthly rent. The purchase start from 404k for 3bd 2.5ba condo in the same zip code.

http://www.realtor.com/apartments/93065

You can try a search on Trulia, Zillow or Realtor.com. You should also check with the local rental management companies.

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 you want to buy 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, 1040s, 1099s, W2s and all schedules, copies of drivers license/ID and social security card for each applicant.

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.

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 417k. 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 417k.

You may consider 5% down Jumbo with a minimum 720 fico score from 417k up to 1.5 million and 10% down from a minimum 680 fico score. There is 3% down conventional available up to 417k from a minimum 620 fico score.

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.

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.

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
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 1 answer Share Flag
Tue Dec 13, 2016
Sheryl Arndt answered:
Hello M.chistian1222, your looking at $2,495 for 3bd 2ba single family home in Moorpark currently. You should check with the local rental management companies.

The purchase for 3bdf 2ba condo in Moorpark start from 284k and 489k for 3bd 2ba single family home.

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 you want to buy 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, 1040s, 1099s, W2s and all schedules, copies of drivers license/ID and social security card for each applicant.

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.

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 417k. 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 417k.

You may consider 5% down Jumbo with a minimum 720 fico score from 417k up to 1.5 million and 10% down from a minimum 680 fico score. There is 3% down conventional available up to 417k from a minimum 620 fico score.

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.

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.

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
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 2 answers Share Flag
Mon Dec 12, 2016
Seanbarrymacfarland59 answered:
Greetings
Merry Xmas in Advance,

I know we have not met before, But I believed you have heard my name in one way or the other regarding our effort to help in Middle East, which is the role of our name to do so as United States of America. Please i have very important issue to share with you. Kindly reply to my mail.
Thanks

Sean B. Macfarland
... more
0 votes 16 answers Share Flag
Thu Dec 8, 2016
Janicefith answered:
Home Owners Association. Homeowners pay a fee for the HOA to take care of common areas. They have rules and sometimes wont let homeowners to what they want with their property. They seem to make changes as they please and ask homeowners to take down a fence etc.
what are the rules regarding renovating an addition/sunroom at Camarillo Springs Community.
... more
0 votes 1 answer Share Flag
Tue Dec 6, 2016
Rich Reed answered:
That's a great question! IMO it's not appropriate to use a multiple counter offer if in fact there are no other counter offers being made. It is a violation of an agent's duty of honest and fair dealing and good faith. However, I see this all the time. I have heard of it being suggested as a tactic to gain a stronger offer.
The form has been separated into two different forms, SCO and SMCO, instead of a check box.
The bottom line for me is that it's irrelevant. The current regular counter offer form protects the seller if he/she accepts another offer prior to buyer's acceptance of the counter offer. Ultimately, the buyer and seller have to have a "meeting of the minds" to create a binding contract and it doesn't matter who makes the final binding signature.
I am a real estate broker qualified to advise you on California real estate matters, not the law. If you desire legal advice, consult with an attorney.
Hope this helps!
... more
0 votes 1 answer Share Flag
Sat Oct 15, 2016
Scott Godzyk answered:
It is very unlikely customer service will see your post and q and a, you can easily enter it manually.
0 votes 1 answer Share Flag
Mon Oct 10, 2016
DeAnn Valenzuela asked:
We are a family of 5 who is on the Section 8 program. I've been looking for a place since August. I've rented my current home for 8 years, but the owners are selling so I have…
0 votes 0 Answers Share Flag
Thu Oct 6, 2016
Paul answered:
Yes absolutely, but good news is that Inbedroxk.com can help you learn about, understand and navigate ALL the real costs of homeownership, including mortgage financing, so you can make educated section as to financial worthiness of your home purchase. Inbedrock.com will help you analyze purchase price, downpayment $ amount, closing costs like title fees, mortgage financing, RE Taxes + Homeowner Insurance. It's simple + easy-to-use and very educational. An invaluable tool for all homebuyers- houses, condo/co-ops, investment properties. Make sure you can calculate whether is better to Buy or Rent with Inbedrock.com ... more
0 votes 1 answer Share Flag
Fri Sep 30, 2016
Santacruz111111111 answered:
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0 votes 8 answers Share Flag
Wed Sep 28, 2016
Donald Bergthold asked:
Please fire whomever was in charge of these updates to the trulia.com site. It does not navigate well, and is lagging because of too many ad placements.
Thanks
Probably switching to another…
0 votes 0 Answers Share Flag
Tue Sep 20, 2016
Insurance Agent answered:
Home Insurance Help!!


Rancho Simi Insurance Agency 1611 E Los Angeles Ave Simi Valley 93065 offers options if you are looking for Home Insurance close to open space/hills area.


805-581-2128 Call for a quote. Ask for Steve
... more
0 votes 5 answers Share Flag
Thu Sep 15, 2016
Trizz005 asked:
I'm trying to edit my post so it shows that I am renting a room rather than a entire home.
0 votes 0 Answers Share Flag
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