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93305 : Real Estate Advice

  • All6
  • Local Info2
  • Home Buying1
  • Home Selling2
  • Market Conditions0

Activity 369
Wed Jun 13, 2012
Dee Oliver answered:
I received an email on 6/12/13 from Gold Star Financial that said "California FHA Home Loans Down to 580 FICO". I have not verified this information. I have contact information if you want to give me a call. ... more
0 votes 4 answers Share Flag
Sat Jul 7, 2012
Dee Oliver answered:
I would suggest that you contact a mortgage company for the answer to your question. It is possible that you might qualify for a house depending on your situation. FHA recently lowered the FICO score requirement. If you need the name and contact information of a qualified loan officer, please let me know. If you don't qualify right now, they will tell you what you need to do to get qualified and how long that might take. Once you get your pre-qualification letter from the lender, you are ready to start looking for a home. Let me know if you need help regarding this matter by calling me or emailing me. Thank you. ... more
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Sat Jun 9, 2012
Suzanne MacDowell answered:
Absolutely! You may at the very least be able to negotiate the amount and set up some sort of payment plan. You need to explore all options and the only way to do that is through an attorney. ... more
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Thu Jul 12, 2012
Valerie Ulrey answered:
Lukefam6,
Are you currently working with a Realtor? If so and they are sending you listings via email, read the items in the "Property Information" section of the listing. You will see an item called "Monthly Association Dues" if there is an amount there, then the property is located in a home owner's association area. If there is nothing there, chances are it is not...
However, sometimes agents don't know the HOA fees, so also be sure to check below in the" Property Features" section. In that section you may see HOA in the Site Amenities item and there is also an item called the Assocation Features...

If you are not working with a Realtor in your home search, I would be happy to help you find your new home. I can set you up to received auto emails from the MLS once I know exactly what type of property is right for you and your family. Then we can set appointments and go see the ones you select. In today's market, you have to move quickly because of the competition!! The automated emails are a great way to see a property as soon as it comes available.

Feel free to email or call with any other questions!

Good luck in your home search,
Valerie
... more
0 votes 6 answers Share Flag
Thu May 31, 2012
Lady asked:
Thu May 31, 2012
Lady asked:
I'm moving to Bakersfield in the next few weeks, can someone give me some names of apartment complexes on the West side or South side of Bakersfield in a nice neighborhood,
0 votes 0 Answers Share Flag
Fri Jul 6, 2012
Sandra Ramos answered:
YES, YOU CAN TO ONE ANOTHER AS A QUIT-CLAIM DEED BUT IT DOES NOT RELEIVE YOU OF THE MORTGAGE RESPONSIBILITY. IT ONLY REMOVE YOU FROM TITLE. IF YOU ARE WANTING TO GRANT IT TO SOMEONE OTHER THAN YOUR EX THEN, PROBABLY NO,T BECAUSE MOST LOANS TODAY ARE NOT ASSUMABLE. I SUGGEST YOU SPEAK TO YOUR MORTGAGE COMPANY. ... more
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Wed May 30, 2012
Dee Oliver answered:
There is a house on Coronado Avenue but I find nothing on Coronado Lane. Call me if you have questions.
0 votes 1 answer Share Flag
Mon Oct 22, 2012
Valerie Ulrey answered:
It is common when there are multiple offers on any property for the seller to request "highest and best". it is up to you to decide if you want to revise your bid --- you can increase the price, change terms such as removing home warranty request or remove closing cost assistance.. Or you can leave your offer as is.
If you are working with a Realtor, contact them and ask what they recommend on that specific property. They can tell you what the comparables in the area suggest the most reasonable price will be. They are working for you, you should be asking them directly for advise rather than posting on Trulia!!

Good luck,
Valerie
... more
0 votes 8 answers Share Flag
Wed Nov 21, 2012
Tim Moore answered:
We have some nice million dollar oceanfront homes.Come on out and buy 2 of them.
0 votes 5 answers Share Flag
Fri Apr 4, 2014
Moises Contreras answered:
Great question. Closing costs are the fees associated with purchasing a property. Who pays them is negotiable. Both seller and buyer have closing costs. If you are a buyer many times you will ask the seller to assist with your closing costs but that is only a negotation to the purchase contract and the seller is not obligated to agree or pay any of the buyers closing costs. It also gets somewhat confusing for buyers as well because if you are financing you will need a down payment as wel for the loan. Feel free to contact me at any time to discuss these questions or any other you may have. If you send my an email I will forward you information to my next buyers education class. ... more
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Wed May 9, 2012
Cameron Miller answered:
My advice to you is to find a mortgage lender that can assess your situation and advise you of what steps you might need to take to get in a position to buy. Also, this lender can help you with other options that may be available. ... more
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Fri Oct 26, 2012
Valerie Ulrey answered:
Hi Becki,
I would also suggest that you contact a lender and ask those questions... however, if you were not named on the deed or the loan of their home, there should be no reason you cannot qualify for a home.
You would have to talk to a lender about what type of loan program you would qualify for because you may be restricted from FHA, due to the fact that if you are married, FHA wants to run credit on both spouses whether or not both will be on the loan.
If you would like the names/ numbers of a couple reputable and helpful lenders, please feel free to call or email me directly and I'll provide you with their contact information.

Thank you,
Valerie
... more
0 votes 5 answers Share Flag
Wed May 9, 2012
Dee Oliver answered:
First, I would find the home and then determine whether there is an HOA. Most of Silver Creek does not have HOA Associations. If there is one, you can ask your agent to find out which HOA it is and contact them. Most are quite helpful in answering questions. Most areas have CC&R's and your agent could contact the title company they use and get that information for you. An HOA is different from CC&Rs. If you want further information, please contact me and I will try and help you.. Hope this helps. ... more
0 votes 3 answers Share Flag
Fri Oct 26, 2012
Walter 'Skip' Kersten answered:
Fri May 4, 2012
Dee Oliver answered:
I commend you for seeking to purchase a home at such a young age. In my opinion, it is a decision you will not regret. In order to find out whether you can qualify for a loan and/or what you need to do to buy a home, you should contact am experienced, reputable loan officer. I would be happy to refer you to someone I use regularly who is does all types of loans, including FHA. She also works with first time home buyers. You might qualify for some special financing that is available right now for people in your situation. Please feel free to call me any time. Thank you. 661-747-7763. ... more
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Fri May 4, 2012
Norm Van Duker answered:
Credit scores are significant as a determinant of a buyer's worthiness to participate in credit transactions; which by definition do not include cash purchases of anything - including homes.

Perhaps the easiest way for you to demonstrate this to yourself is by simply going to the next schedule courthouse auction in your area. Show up with enough cash and make the right bid and you can literally buy home being auctioned.
... more
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Tue May 1, 2012
Wesley Willingham answered:
Charles give me a call at 661-331-0000
0 votes 1 answer Share Flag
Sun Apr 29, 2012
Anna Hernandez answered:
NO. They still must give you the required notice. Anna Hernandez, realtor 661-809-3388
0 votes 1 answer Share Flag
Fri Apr 27, 2012
aylastyler asked:
I live in Bakersfield Ca, and I need a spacious 4-5 bedroom 2bath home. I moved my mom and dad in with me, and our little house isn't big enough. I can spend up to 1600 monthly. Wo...
0 votes 0 Answers Share Flag
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