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Home Buying in 95825 : Real Estate Advice

  • All22
  • Local Info8
  • Home Buying5
  • Home Selling0
  • Market Conditions0

Activity 505
Wed Apr 17, 2013
Curly Sue answered:
Didn't I just answer this question a minute ago?

Pay the difference or have the Seller come down to the appraisal price. A lender is not going to loan you more than the home is worth. ... more
0 votes 10 answers Share Flag
Mon Mar 18, 2013
Teri Andrews-Murch answered:
These are questions you should be asking your agent who knows the unique details of your contract.
Reading the contract and contingency removal carefully will usually answer your questions including how deposit is handled.

Generally the Buyers deposit is held by the escrow holder until closing at which time it is distributed or cancellation of the escrow-where it's fate is decided by mutual agreement between the parties (sometimes requiring an attorney), usually it does not "become" the sellers automatically.
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0 votes 11 answers Share Flag
Thu Mar 14, 2013
Tim Moore answered:
The county or town usually determines the tax assessment, they don't charge you - they tax you for it based on the assessment.
0 votes 6 answers Share Flag
Sat Jan 11, 2014
Vaughn Boyce answered:
Hello Brispoli, There are many types of loan products out there. But I personally have not heard of a no money down FHA product. There a few very good down payment assistance programs that can help with closing costs. (Links Below) I hope this helps. Please feel free to contact me with any further questions.

Vaughn W. Boyce
Elite Realty Services
Lic. #01477111
Cell: 916-834-5071

Link to Wells Fargo LIFT Program:

Link to CA Down Payment Program:
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0 votes 12 answers Share Flag
Thu Mar 21, 2013
Ute Ferdig answered:
Without knowing more, it's really difficult to provide you with a meaningful estimate. How soon you can expect an answer will depend on a number of factors. How many loans are involved, who are the investors, is it a HAFA or traditional short sale, what was the status before you made the offer (was it a brand new short sale listing or did they have a prior offer that had been reviewed by the lender), just to mention a few. One of the problems we see these days is that the lender's idea of value is inflated. Prices have gone up, but appraisals come in low because we don't have sales that support the increased prices. I have noticed an increase in short sales that come back on the market with a price increase which usually is a result of the lender countering back and the buyer either not willing or able to accept the higher price. I would say expect 6-12 weeks. Not sure that helps. The listing agent should be able to provide your agent with more info that would help give you a better idea. ... more
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Mon Mar 25, 2013
Morgan Larson answered:
It really depends on price range and ho much acreage you want. There is Wilton, Orangevale, and Fair Oaks that might all have what you are looking for. For more specific reccomendations, give me a call, and we can figure out exactly what you are needing and which areas match best. Happy House Hunting!

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0 votes 2 answers Share Flag
Thu Feb 21, 2013
Teri Andrews-Murch answered:
Hi Dan,

There are not too many rent to own out there, but you might search some of the on line & off line classifieds or for sale by owner sites. Your agent may also search on the MLS with the criteria filter of lease to own or owner financing.

Be aware that most lease to own require an option payment to the seller that is usually several thousand dollars and non refundable.
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0 votes 4 answers Share Flag
Sun Oct 20, 2013
Ute Ferdig answered:
I don't believe there is down payment assistance for a 203k loan. I just researched this yesterday and could not find any programs that were available for 203k loans. I actually hope that a loan officer will respond to your question with more positive news. I like to be proven wrong from time to time, especially when it could help one of my buyers. ... more
0 votes 12 answers Share Flag
Wed Mar 6, 2013
Joseph Roraff answered:
It is like a car, you can lease it with the option to buy after a certain amount of time. Here is an article on them that goes into further detail...
0 votes 11 answers Share Flag
Thu Feb 21, 2013
Krista C. Penney answered:
The last time I moved, I used U-haul's U-box pods. I was moving about 1000 miles and I found their rates to be very competitive. The service was great. They delivered my U-boxes quickly and nothing got broken! That's a lot more than I can say for the service I used before that.

However, I'm not sure if U-haul has people who will do all the heavy lifting and help load your U-boxes.
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0 votes 3 answers Share Flag
Fri Jan 31, 2014
Ute Ferdig answered:
It becomes a matter of public records once the trustee's deed has been recorded. Many times, the trustee sale is postponed and you can call the trustee and find out. The trustee's telephone number and the trustee sale number are listed in the notice of trustee sale. If you don't have the notice of trustee sale, you can subscribe to a foreclosure service such as ForeclosureRadar or RealtyTrac (each offer a free trial). These services keep track of foreclosures and many times you will be able to find out the day of the scheduled sale date whether the sale went through or was postponed. You can also ask a real estate agent who has a subscription to look up the info for you. If you are just interested in the status of one particular property, feel free to e-mail me and I would happy to look up the property for you. ... more
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Tue Feb 19, 2013
Paloma Jackson Cornet answered:
Question continued...Our current credit scores are "fair" I believe, between 670-700. We have never been behind or late on any of our other credit accounts. We would prefer to get a new loan on our own and leave my parents out of it, but they would be willing to help if needed.
Any advice would be greatly appreciated. We live in the Sacramento, CA area. Don't want to keep this home as a rental as we need the $50K we put down to use as a new down payment. Thank you in advance
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0 votes 6 answers Share Flag
Tue Jan 29, 2013
TR Bergen answered:
Good luck with your campaign! We need more conservatives and Realtors in the State Capital!
Are you going to be commuting back to San Diego each week, or moving to Sacramento? That will help determine which option is best for you. If you are commuting each week, you will probably want to find something closer to downtown, but if you are staying in Sacramento, I would look oustide downtown, which can be expensive, and traffic can be challenging.
I hope you "Catch Fire" and win!
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0 votes 3 answers Share Flag
Wed Feb 10, 2016
How bad?

We do loans in Sacramento (we are headquartered in Roseville) and will go as low a 620 on FHA

Borrower Must Have Proof of 12 month housing payment (mortgage/rental) history via a credit report, cancelled checks to reflect no 30-day late payment during the previous 12 months.
Borrowers may not have had any short sales, “settled for less than amount owed,” bankruptcies or foreclosures in the most recent three years.
Borrowers may not have had any public records, judgments or tax liens over $500 recorded in last 24 months and all must be paid at or prior to closing.
Borrowers may not have any collections opened in the last 24 months other than medical and one collection under $100.
Borrowers may not have had any 30-day late payments on installment debt in the most recent 12 months.
Borrowers may not have had more than one 30-day late payment on revolving debt in the most recent 12 months

Thierry Abel
Senior Loan Consultant
By Referral Only
All California Mortgage
A Division of APMC
P: (415) 464-8261
C: (415) 378-7508
F: (415) 464-2367
... more
0 votes 7 answers Share Flag
Mon Jan 28, 2013
Andy & Linda Poe answered:
Email me at and I will look in MLS for you. Thanks, Andy
0 votes 3 answers Share Flag
Mon Dec 7, 2015
Ramona Miley answered:
In some areas you can check with the property management division of a Real Estate company or just check under Property Management for your area on line.
0 votes 29 answers Share Flag
Thu Jan 24, 2013
Bruce Slaton answered:
Elizabeth's post is spot on. Also if there is a 2nd, this is usually where the hiccup and delays start. Citi can be great but alot depends on who owns the loan as well. We submitted a complete package the Friday before New Years and received approval two weeks ago (then sometimes takes another few weeks to get the actual letter). Citi's process usually starts with the negotiator and once they have approved an offer, it usually goes to an Underwriter who processes the actual approval. Of course portfolio loans (loans owned by the bank and not by outside investors) go much better.

Lately their values are coming in sometimes much higher than agents are pulling from the MLS, this is because they are instructing the providers who perform their values to not use REO or Short Sales as their comparables so be prepared for a counter if your offer was based on lower comps.

Best of luck

Bruce Slaton
Realty World eCurb REALTORS
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0 votes 10 answers Share Flag
Sat Apr 19, 2014
Michele Peterson answered:
I have a lender for you.

Please give me a call or email

Michele Peterson
Keller Williams Realty
(916) 743-5934
CA DRE 01872795
0 votes 12 answers Share Flag
Thu Jan 17, 2013
Zubair Mohammed answered:
Hi Manuel
you can contact me and i can get that organised for you. im a realtor. 916-796-6050
0 votes 6 answers Share Flag
Tue Jan 22, 2013
Jay Emerson answered:
Good luck, Kathy. This is a great reason to hire a REALTOR to manage the offer and transaction process. Much of this is clarified in the purchase agreement. Bottom line: You and the seller make the decisions on who pays what.

... more
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