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Home Buying in Visalia : Real Estate Advice

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  • Local Info13
  • Home Buying35
  • Home Selling6
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Activity 49
Sun Jul 23, 2017
Sheryl Arndt answered:
Hello Jandcstark, all condo association fees will vary from HOA. How much rent do you pay and what are the minimum number of bedrooms and the maximum payment you are looking to achieve?

You need to be pre-approved to be able to know your purchasing power , price range and how much HOA your max would be. The purchase in 93291 start from 109k for 2bd 2ba with $405 HOA.

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.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
Credit Repair Advice At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 1 answer 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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Sat Jan 21, 2017
Angiekhanson22 answered:
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…
0 votes 0 Answers Share Flag
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 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…
0 votes 0 Answers Share Flag
Thu Apr 16, 2015
Alexander Greer answered:
About a 13% increase.

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
Tue Apr 14, 2015
Diana Benson answered:
Since the term "bad credit" is sometimes subjective, it is best to consult with a loan professional to find out exactly what is making it bad and what it will take to fix it. If you have flat out defaulted on your financial responsibilities over time and continue to do so, the chances of you qualifying for a home loan are nil. However, if your credit score is low due to medical collections or other "repairable" items, then home ownership may be on your horizon if you find a loan professional who is willing to work with you to repair your credit. Depending on your circumstances, it could take time, but if you follow the advice of a qualified loan professional home ownership may be possible. Depending on your income, be sure to check into some of the city programs for low income households.

Hope this helps. Best of luck!
... more
0 votes 3 answers Share Flag
Tue Feb 24, 2015
Alexander Greer answered:
I would be more than happy to help you with information. What is your relation to the property?

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
Wed Oct 8, 2014
Galia Taneva answered:
Yes, you can - don't include your husband on the loan application. Only include him on the dead.
0 votes 3 answers Share Flag
Mon May 5, 2014
Anna M Brocco answered:
See link for helpful information http://www.homepath.com/financing.html
0 votes 1 answer Share Flag
Fri Oct 18, 2013
Pamela Peters answered:
Yes, your husband can purchase a home in his name only, as long as his income and credit will quailify... per a lender. I believe even with the short sale you would be able to go on title.

Pamela Peters
Villa Properties
Visalia, CA
... more
0 votes 10 answers Share Flag
Fri Oct 18, 2013
Brian Nguyen answered:
Yes that is possible! Just keep in mind that now only your finances (income, credit score, etc.) will be looked at. So your qualification will be based on you alone. Along with, lenders will still look at shared debt. Well either way it is possible as long as your are individually strong enough financially to qualify. I recommend that you speak with a lender directly. I would be glad to speak with you to help you get the loan or refinance that you need. So please feel free to contact me! Good Luck! Brian Nguyen Sr. Mortgage Banker NMLS # 659743 Phone: 949.667.2887 brian.nguyen@nafinc.com ... more
0 votes 7 answers Share Flag
Wed Oct 9, 2013
answered:
No, until the divorce is finalized you will need your "soon to be ex " to sign a quite claim deed, and allow the lender to run a credit report, the debts on the credit report may be counted against you.

If you can not qualify with those debts and or if she will not sign, you should probably cancel the escrow quickly. Make sure you state in your reason for withdrawing one of the contingencies that written into the contract so that they have to give you back your deposit. So you would not say I am withdrawing because of a divorce but rather the inability to obtain a mortgage.

Remember the contingencies have time periods, if you wait too long and cancel after the contingency period, the seller has legal justification to keep your deposit and maybe even sue you for damages.

When buying a house you need a lender who understands the homebuying process. Few do.

Rich Littlefield
949-297-1207
... more
0 votes 6 answers Share Flag
Thu Oct 3, 2013
Chris & Kohlee Barbeau answered:
Hi T. Dominguez,
Unfortunately your question doesn't link back to the property your were viewing at the time you asked the question. You can call me with the property address and I would be happy to help you with this information.
Thanks,
Kohlee Barbeau
REALTOR
REMAX All Estates
559-679-4813
... more
1 vote 3 answers Share Flag
Fri Sep 20, 2013
Bill Mauch answered:
The average home price sold in August for zip 93291 was $121 per sq ft. The average home price for all of Tulare County was $107 per sq ft. The average for North West Visalia was $121 per square foot. Most of the rest of Visalia was at $105-$107 per sq ft. Bill Mauch 559-805-4982 ... more
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Thu Jul 18, 2013
Marissa answered:
Yes, especially if you would like to rent out. Right now for example in the Modesto/Ceres area you can find great investor deals for under 180K. Here is a link for an open listing as of Jul 2013:
2025 Walnut Ave, Ceres, Ca 5 BR + Bonus Rm + 3ba on Huge LOT + storage shed $159,900
House has already been divided into 2 rentals and ready to go! Live in one, rent out other. $1750 total rents.
... more
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