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Home Buying in 90808 : Real Estate Advice

  • All22
  • Local Info5
  • Home Buying5
  • Home Selling1
  • Market Conditions0

Activity 202
Tue Apr 16, 2013
magda58 asked:
This question was asked from this property:
0 votes 1 answer Share Flag
Tue Apr 16, 2013
Michael Cheng answered:
I'm not sure what program your friend is referring to. A couple of years ago, there were more home purchase assistance programs available to first-time home buyers. Now, there aren't so many programs. With the strength of today seller's market, those needing assistance are out-competed by cash buyers or those with 20-50% down in cash. ... more
0 votes 6 answers Share Flag
Sun Apr 7, 2013
Glenn Gaspar answered:
Very good question. First off some slight good news for first time buyer or buyers as a whole. Investors are still out there but are beginning to dwindle down a tad due to the rise in home prices here in So. Cal. Now one idea is to chase FSBO's, for sale by owners, for that is a market that is beginning to grow out there inventory wise. A second idea is to meet the homeowner(s) while previewing the home so that you can try to make a connection or bond with them. And if you have children this can be a major plus for the owners will see a family who more then likely, if they sell to you, will love the home they are selling as much as they did while living there. My only other tip is not to give up on finding your home for when you do it allows someone else to buy the home you may have purchased but you quit. Final note: Spring time is traditionally one of the busier times of the year when sellers start to list their home plus with the positive price increases on homes over the past year this will pull those homeowners who were on the fence down to the ground to list their home. ... more
0 votes 4 answers Share Flag
Thu Mar 28, 2013
Daniel Sandoval answered:
You need an agent to view homes. Call me at 5628434474 and let me knw which home your interested in.


The vision group
0 votes 5 answers Share Flag
Thu Mar 28, 2013
Todd Foust answered:
Yes. Just be prepared that the lender was referred by the REALTOR so they most likely will let them know you are working with somebody else. Might want to talk to the old REALTOR first before making the switch. Just a good courtesy. ... more
0 votes 6 answers Share Flag
Thu Mar 28, 2013
Robert Finger answered:
There are different ways to go your options will be better known after you get pre approved. To get approved you have to get credit ran to determine fico score, liabilities, consumer debt, credit lines, etc. See how much money you have to work with towards down payment and closing cost. Average your last 2 years income and figure out your debt ratiios present and proposed. At that point a better picture can be put together, Some options are fha has low interest rates yet the is mortgage insurance and upfront mortgage insurance attached with those loans. Then there is conventional loans in which you put 20% down you would not have mortgage insurance which is a great savings. Yet not all buyers can afford to go that route or qualify. Another interesting thing besides take the risk of an adjustable rate mortgage is to go with a conventional loan and see how much it would be to buy out the mortgage insurance or take a higher rate from lender to help pay for the mortgage insurance with lender credit. Not all lenders offer mortgage credit to help pay for things like mortgage insurance or closing costs. Fico score loan to value and other items come into play so a deeper individual analysis is needed to better assist you. I would appreciate to speak with you more in depth if you reach out to me. I am both a reaItor and loan officer with much info to share. I hope this was helpful.
Thank You,
Robert Finger
Dre Lic.#01307561
NMLS Lic#268502
... more
0 votes 13 answers Share Flag
Fri May 5, 2017
Jeff Johnson answered:
Approximate closing costs should be disclosed when you are speaking with your lender.....are you pre approved? And are you working with a Realtor?

If not please let me know and I can refer you to a great lender and help you find your new home!!

Thank you

Jeff Johnson
Prudential CA Realty
562 900 9783
... more
0 votes 7 answers Share Flag
Thu Aug 7, 2014
Rose Amadeus answered:
If you let me know the property, I can contact the listing agent and see if that is an error...

Rose Amadeus
0 votes 10 answers Share Flag
Thu Mar 7, 2013
Michael Magaw answered:
You need to communicate with your lender. Tell your lender that you have questions that have not been answered.
If you cannot get your questions answered, then tell him that you to work with another lender.
I can refer a good VA lender to you if needed.
... more
0 votes 8 answers Share Flag
Mon Jan 25, 2016
Robin Calderon answered:
Long run, you would have more equity build up in a SFR (Single Family Residence). But would have to carry the burden of having the mortgage payment on it, though at a good interest rate due to your 50% downpayment. Plus you would not have to ever worry about an HOA.
On the other hand. You could cash flow starting now, and build up an immediate income with a Condo.
Feel free to call me in order to further discuss these and other ideas...
818-731-4095 cell
... more
0 votes 12 answers Share Flag
Sat Feb 16, 2013
Shannon Jones answered:
Hi Rachel,

Yes, that's very feasible. You won't pay any commission as a buyer -- that's paid for by the seller. When you decide to rent it out, the typical fee for property management is 7 percent.

You'll want to consider potential rents when determining whether a particular property will make sense to convert to a rental property. We can help you compare sales prices as well as evaluate future rental potential.

Please feel free to call or email if you'd like to discuss your plans in more detail. I can be reached at 562-896-2456 or

Shannon Jones
Keller Williams Realty
... more
0 votes 8 answers Share Flag
Tue Jan 15, 2013
Dana Johnson answered:
I work with someone who specializes in rent to own properties. If you can provide me with a little bit more information as to what type of payment you are looking for and what price range, I can see if we might be able to help you.

Feel free to contact me to discuss further.

Dana Johnson
Broker / Associate
Boardwalk Properties
Long Beach, CA
... more
0 votes 6 answers Share Flag
Tue Apr 8, 2014
Sheila Caron answered:
There's a few on the market currently. Most are in North Long Beach and the Westside. You can check crime rates but driving the neighborhoods is the best way to know how safe you consider the area. Also several in Eastside area. This is probably your best bet but can be sketchy a well. Might be doable but inventory is very
Low right now and it may take some patience. If you want direct access to MLS to review yourself, feel free to contact me and I'll set you up. Good luck.
... more
0 votes 9 answers Share Flag
Tue Mar 5, 2013
Anna M Brocco answered:
Why entertain what other people think or say, another's opinion may not be anywhere near the best thing for you; why not simply visit the area more than once and at different times of day, and see all firsthand... ... more
0 votes 7 answers Share Flag
Fri Jan 4, 2013
Steven Ornellas answered:
Hi power123,

1.25% of the purcase price is a common "quesstimate"; however, your effective property tax bill actually consists of three separate levy categories: General Tax Levy, Voter Approved Indebtedness and Direct/Special Assessments. See:

"Estimating Property Taxes in CA"

... more
0 votes 2 answers Share Flag
Fri Jan 4, 2013
Cindy Davis answered:
I'm very unclear here about whether you have your own agent or not. Generally, if you back out of a deal after the initial 17 day inspection, you will forfeit your deposit,

If however, the seller is unable to sell in the time period you agreed upon in writing, you should be able to cancel.

That said, I would need to see your purchase contract and escrow papers to know exactly what you're dealing with.

If you don't have your own buyer's agent, I encourage you to consult with a real estate attorney.

Best wishes.
... more
0 votes 6 answers Share Flag
Mon May 20, 2013
Mark Lee answered:

You'll have to provide some more information about the contingencies of the contract. For instance, are you past the home inspection date? Loan commitment date?
0 votes 5 answers Share Flag
Tue Dec 25, 2012
Ana Quiroz answered:
First Pacific Financial they only do mobile homes loans 800-460-0019
Ana Quiroz Prudential California Realty 310-803-7458
0 votes 6 answers Share Flag
Tue Dec 11, 2012
Anna M Brocco answered:
Your questions can be accurately answered by your attorney, therefore consider a consultation; or review your contract as the answers may be found in the document....
0 votes 10 answers Share Flag
Tue Mar 5, 2013
Michael Magaw answered:
let me know if you want a referral. I agree with Christina, it would be good to let two or more lenders compete for your business.
0 votes 11 answers Share Flag
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