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Home Buying in 93725 : Real Estate Advice

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Activity 118
Fri Apr 12, 2013
Dane Wildey answered:
Hi Betsy -

The tax records show "Bank Owned Sale" which indicates properties purchased by a new homeow
ner or investor from a lender That particular unit has never been listed in MLS. Feel free to contact me if you need more info on this property or others.

- Dane
... more
0 votes 1 answer Share Flag
Thu Apr 11, 2013
Bruce Cormack answered:
Nancy,

Depends on where in Fresno you want to invest, how you plan on managing the property and what kind of income you want to generate.

A quality home at $100,000 is going to be hard to find if the market continues moving upward in the Fresno area.

Have you considered multifamily units like a duplex or quad?

If I can help find you properties you could use for rental would you be ready to buy? Timing is everything right now, and my last 2 listings had quality offers within 24 hours of listing.

Hope this helped, and please feel free to contact me if I be of further assistance.
... more
0 votes 2 answers Share Flag
Sat Mar 30, 2013
Stephen Henson answered:
Because they want to. That shouldn't matter at this point if your wanting to buy the house. Reasons will be disclosed during the 17 days grace period after your offer is accepted. Get with an agent and write it up. ... more
0 votes 4 answers Share Flag
Tue Mar 26, 2013
Maria Gilda Racelis answered:
I am sorry but I am little bit confused about the details.

1) why can't the lender give you the loan? Is it because of appraisal issue? That the house is not appraised at or higher than the purchase price?

2) Or you don't have $5000 to come up for the closing? Is this on top of the 3% you asked from HUD when you bid?

Can you please provide more detais.

Best.

Maria
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0 votes 3 answers Share Flag
Mon Mar 11, 2013
Ron Thomas answered:
All the "Builders" use local sub-contractors; some good, some other-than.
Just like automobiles, no two houses are exactly alike.
Even with a NEW house, you should get INSPECTIONS.
And just like with a Pre-Loved house, you should use a Realtor to protect yourself. ... more
0 votes 2 answers Share Flag
Mon Mar 4, 2013
robert answered:
The very first thing to do is pull your credit report to find out why you have bad credit. Once you have that you can then develop a plan to get to an mortgage approvable credit report. Depending on your current credit report it can be a short period of time such as a month or so to several months. ... more
0 votes 5 answers Share Flag
Tue Jan 29, 2013
Tim Moore answered:
Since there is not a question mark in all of that I have to assume it is not a question but some sort of legal brief or comment.
0 votes 4 answers Share Flag
Fri Jan 25, 2013
John Arendsen answered:
You really should start with the park manager of the park/communities you are interested in. You will have to fill out an application and be approved by them before you even make an offer on a manufactured home in a rent/lease park/community.

Be wary of any manufactured home built before June 15, 1976 as they are "PRE HUD" homes and will be very difficult if not impossible to finance. Additionally many if not most PRE HUD homes were built using caustic and carcinogenic chemicals i.e. formaldehyde and asbestos.

But before you purchase any manufactured home you should have the home inspected by an experienced manufactured home inspector and not just any home inspector.Make sure the home is level and that the pier and pad assemblies are in good shape.

Be sure the vapor barrier and insulation are in tact and not ripped, torn or lying on the ground. Have the inspector look for drainage issues i.e. standing water, soil erosion, expansive (clay soil), rusted and deteriorating piers and dry rotted or decomposing wood pads supporting the piers.

Most importantly make sure the home has an approved set of Earthquake Resistant Bracing (ERBS) installed under it as much of California is in a Zone 4 seismic area:

(http://www.google.com/search?q=seismic+zone+3+map+for+califo…)

Feel free to contact us should have any more questions: 800 909-1110, Cell: 760 815-6877. Email: onthelevel@cox.net. Or log onto any of our very user friendly websites:
http://www.mh-processing.com
Web Reference: http://www.onthelevelcontractors.com
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0 votes 1 answer Share Flag
Sun Jul 28, 2013
PHARISS Broker answered:
I remember mortgage rates in the high teens, and to me anything below 6% is awesome. That said, if you have been building your credit from day one, after filing...you are on the right track. You may be able to get a great rate in as little as one year after filing, if you follow a good plan. Financial Planners and many great local bankers can guide you on the best approach to rebuilding a stronger credit profile for your specific situation. ... more
0 votes 8 answers Share Flag
Sun Jan 20, 2013
Ronda Good answered:
Hi,
Thanks for contacting me. I do have someone in mind that can help you with your credit scores and can help you get into a home. If your interested, please give me a call and we'll chat. At that time I can give you the name and phone number of the person who can help you. Hope to hearfrom you soon.
Happy Holidays
Ronda Good
559-246-5399 cell
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0 votes 9 answers Share Flag
Mon Dec 10, 2012
PHARISS Broker answered:
Contact a Broker in the Washington area you feel good about, and have him/her run some interference...many Brokers work with referral Agents and Brokers in other areas/states. For example, one Client was recently put in touch with an Agent in Davis, CA and was able to make an offer and buy a property for his college student to live in. You will want a local Realtor on the ground in CA to help you with the ins and outs of that areas' Real Estate Law and procedures. You may be able to use a Lender in Washington, which could also be a benefit to you. ... more
0 votes 5 answers Share Flag
Mon Mar 16, 2015
Scott Godzyk answered:
Sandra you could, you need to ask the agent to complete this and befoe you do ask if it will delay getting a response on your offer and most important ask oif there are any other offers submitted. That will help you judge where you need to be. ... more
0 votes 8 answers Share Flag
Mon Dec 3, 2012
allan erps,ABR,SFR answered:
Most lenders use the Middle score(throw out highest & lowest).
0 votes 11 answers Share Flag
Wed Nov 7, 2012
Ron Thomas answered:
Jaime;
The more money you put down;
The more Equity you will have,
The easier it will be to get the Loan,
The Interest Rate will be lower,
Your monthly payments will be lower.

Backing up from August, I would say May/June to start talking to a Mortgage Officer.
I would also suggest something like Garage Saleing in the areas you might be interested; this gives you something to do while you are looking, and talking to people.
I can e-mail you possibles, but you want to know the neighborhoods yourself.

Good luck and may God bless
... more
0 votes 2 answers Share Flag
Sun May 26, 2013
Linda Chu answered:
If your credit is at least 560 than I can help you. Feel free to contact me so that we can get you pre-approved!

Linda Chu
Mortgage Center Corp
199 California Drive # 200, Millbrae, CA 94030
Office: 650-652-9000 Fax: 650-652-9811
Direct: 415-531-3382
linda@mortgagecentercorp.com
DRE Lic #01905237 NMLS #851470
... more
0 votes 8 answers Share Flag
Wed Oct 10, 2012
Jeff Chacon answered:
I can definitely help you with this. Please email @ j.chacon04@yahoo.com or call me at 559-681-2464

Thank You,

Jeff Chacon
Big Realty
559-681-2464
0 votes 8 answers Share Flag
Sun Sep 30, 2012
Gayle Harmon answered:
You do NOT need to have a green card to buy a house, if you buy it with cash, or if the seller will carry your loan. But you DO need a green card if you borrow money from a bank or mortgage company. ... more
0 votes 2 answers Share Flag
Sun Sep 30, 2012
Ron Thomas answered:
If you watch evening news; Crime and Drugs are everywhere:
And the real pity is; the more affordable areas are hit the worst.
If you can afford it, you know the neighborhoods that are preferable; and they are more expensive.

Good luck and may God bless
... more
0 votes 2 answers Share Flag
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